6521 Rd O, Pandora, OH 45877 Property Records

Putnam County property record for 6521 Rd O, Pandora, OH 45877

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,035 sqft · built 1998
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2012)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-020201.0100`

Property Details

APN / Parcel Number

Primary APN	`48-020201.0100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,035 sqft Living Area
1st Floor Area	1,945 sqft
Attic	Attic
Attic Area	932 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	6521 ROAD O
City	PANDORA
State	OH
Zip	45877-8708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1S 8E 18 NECOR EPT NPT NW
Legal Range	8E
Legal Township	1S
Legal Section	18
Jurisdiction	PUTNAM OH
Township / Civil Division	RILEY
Census Block Group	2
Census Block	2047
Census Tract	30400

Owner

6521 Rd O is owned and occupied by two individuals who bought it in May 2012.

Source: Putnam County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6521 ROAD O, PANDORA, OH 45877-8708
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Oct 12, 2021	Deed of Trust, Mortgage SUPERIOR CU
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2012 · Amount on File
Deed Sale	May 15, 2012 · Amount on File
Prior Sale	May 21, 2007 · Amount on File
Deed Document Number	20122908
Deed Book / Page	637 / 2169
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	6521 ROAD O, PANDORA, OH 45877-8708
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000780/926
Date	Oct 15, 2025
Book Page	780/926
Instrument	202500004534

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Oct 6, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	6521 ROAD O, PANDORA, OH 45877-8708
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000739/933
Date	Oct 12, 2021
Book Page	739/933
Instrument	202100005453

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount on Record
Term	143 Months
Due	Sep 18, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	6521 ROAD O, PANDORA, OH 45877-8708
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6221 ROAD O, PANDORA, OH 45877-9708

Mortgage

Document Number	737/382
Date	Aug 10, 2021
Book Page	737/382
Instrument	202100004218

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 6521 Rd O was $4,194 with a homeowner's exemption, up 2.7% from the year before.

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Riley Township
Unified School District	Pandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,194.00 (+2.72%) Homeowner's exemption	$142,520 (-) Land $9,610 Building $132,910	$407,200 Land $27,460 Building $379,740
2024	$4,083.00 (+0.22%) Homeowner's exemption	$142,520 (+33.93%) Land $9,610 Building $132,910
2023	$4,074.00 (+2.83%) Homeowner's exemption Additional exemption filed	$106,410 (-) Land $7,280 Building $99,130	$407,200 Land $27,460 Building $379,740
2022	$3,962.00 Homeowner's exemption	$106,410 Land $7,280 Building $99,130
2020			$304,030 Land $20,800 Building $283,230

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6521 Rd O in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 6521 Rd O has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Buckeye Wireless Fixed Wireless	500 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rd O

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