708 Oak St, #712, Lima, OH 45804 Property Records

Allen County property record for 708 Oak St, #712, Lima, OH 45804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,848 sqft · built 1920
Lot Size	0.413 acres (17,990 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Jan 2022)
Tax Bill	$728 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46-0105-06-051.000`

Property Details

APN / Parcel Number

Primary APN	`46-0105-06-051.000`
Alternative APN	`M3846010506051000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,472 sqft
1st Floor Area	1,224 sqft
Upper Floors Area	624 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	272 sqft
Patio Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	708 OAK ST
City	LIMA
State	OH
Zip	45804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIMA TERRACE ADDITION LOTS 7653-7655 FF 120.00
Legal Subdivision	LIMA TERRACE ADDITION
Legal Lot Number	7653
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	4
Census Block	4003
Census Tract	13400

Owner

708 Oak St, #712 is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	708 OAK ST, LIMA, OH 45804
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
Jan 27, 2022	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK NA
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on File
Deed Sale	Jan 27, 2022 · Amount on File
Prior Sale	Apr 3, 1998 · Amount on File
Deed Document Number	20221026
Prior Transfer Date	Jul 16, 2012
Prior Transfer Doc	7230009723
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jan 27, 2022
Property Address	708-712 OAK ST, LIMA, OH 45804
Document Number	1270001026
Book / Page	2022 / 1026
Map Reference	MB 4 PG 139
Instrument Date	Jan 25, 2022
Instrument	202201270001026
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 OAK ST # 712, 712, LIMA, OH 45804-1039

Mortgage

Document Number	1270001027
Date	Jan 27, 2022
Instrument	202201270001027

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	708-712 OAK ST, LIMA, OH 45804
Document Number	0000013487
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 OAK ST LIMA OH 458041039, LIMA, OH 45804-1039

Mortgage

Document Number	0000013487
Date	Dec 18, 2019
Instrument	13487

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Dec 17, 2031

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 708 Oak St, #712 was $728, down 6.3% from the year before.

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	$728.00 (-6.31%)	$19,360 (-) Land $2,730 Building $16,630	$55,300 (-) Land $7,800 Building $47,500
2024	$777.00 (+5%) Homeowner's exemption	$19,360 (+11.97%) Land $2,730 Building $16,630	$55,300 Land $7,800 Building $47,500
2023	$740.00 (+0.54%) Homeowner's exemption	$17,290 (+0.99%) Land $2,450 Building $14,840
2022	$736.00 Homeowner's exemption	$17,120 Land $2,450 Building $14,670
2021			$49,400 Land $7,000 Building $42,400

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 708 Oak St, #712 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015

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 708 Oak St, #712 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.

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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: TSC, Verizon.

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