654 N Union St, Lima, OH 45801 Property Records

Allen County property record for 654 N Union St, Lima, OH 45801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 908 sqft · built 1920
Lot Size	0.079 acres (3,441 sqft)
Owner	Individual Name on Record
Last Sale	$4,500 (Feb 2019)
Tax Bill	$94 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-3010-11-007.000`

Property Details

APN / Parcel Number

Primary APN	`37-3010-11-007.000`
Alternative APN	`M3837301011007000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	908 sqft Living Area
Gross Area	1,356 sqft
1st Floor Area	640 sqft
Upper Floors Area	268 sqft
Basement Area	448 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	3,441 sqft (0.079 acres)
Lot Dimensions	114 ft deep x 30 ft wide
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	654 N UNION ST
City	LIMA
State	OH
Zip	45801-4161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OVERMYERS ADD LOTS 939 N SIDE 940 S SIDE FF 30.00
Legal Subdivision	OVERMYERS ADD
Legal Lot Number	939
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	1
Census Block	1007
Census Tract	12400

Owner

Source: Allen County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5030 DELONG RD, LIMA, OH 45806-1868
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Line of Credit UNION BANK
Oct 18, 2021	Transfer on Death Deed, Transfer
Feb 22, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Nov 1, 1985 · Amount on Record
Deed Document Number	20191591
Deed Book / Page	2019 / 1591
Last Transfer Date	Mar 28, 2023
Transfer Doc	0000002525
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	Sep 11, 2026
Property Address	654 N UNION ST, LIMA, OH 45801-4161
Document Number	0000009581
Instrument Date	Sep 10, 2026
Instrument	20269581
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 N UNION ST, LIMA, OH 45801-4161

Mortgage

Document Number	0000009581,
Date	Sep 11, 2026
Instrument	20269581

Lender

Name	UNION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 30, 2036

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Oct 18, 2021
Property Address	654 N UNION ST, LIMA, OH 45801-4161
Document Number	10180014637
Book / Page	2021 / 14637
Map Reference	MB 1 PG 66
Instrument Date	Oct 15, 2021
Instrument	202110180014637
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	654 N UNION ST, LIMA, OH 45801-4161

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 22, 2019
Property Address	654 N UNION ST, LIMA, OH 45801-4161
Document Number	0000001591
Instrument Date	Feb 21, 2019
Instrument	1591
Transaction Type	Transfer
Record Updated	Mar 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$13.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 MEADOWBROOK DR LIMA OH 458012650, LIMA, OH 45801-2650

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$94.00 (+1.08%)	$700 (-) Land $700	$2,000 (-) Land $2,000
2024	$93.00 (-2.11%)	$700 (+4.48%) Land $700	$2,000 (+5.26%) Land $2,000
2023	$95.00 (+2.15%)	$670 (-) Land $670
2022	$93.00	$670 Land $670
2021			$1,900 Land $1,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2004)
Most Recent Claim	Jun 2004 · other causes

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, MetaLINK Technologies, TSC.

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