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Single Family ResidenceResidential
$351,092$159 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 82How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3949 STATE ROUTE 12 E

PANDORA, OH 45877
3
Baths
2,204 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$351K
$287K low$416K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$106,092
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$84,874
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.76%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$245,000
THE UNION BANK · recorded Jan 31, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,105 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$71,640 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,490
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$63,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$204,690

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.42
60
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
70
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
77
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPUTNAM
Lot (acres)The size of the land the home sits on, from county records.2.08
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Pandora-Gilboa Middle SchoolB
Middle · Grades 5–8 · 1.7 mi
H
Pandora-Gilboa High SchoolA-
High · Grades 9–12 · 1.7 mi
E
Pandora-Gilboa Elementary SchoolB
Elementary · Grades KG–4 · 1.7 mi

District: Pandora-Gilboa Local School District

Neighborhood · ZIP 45877These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.188
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.1,857
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.68 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,020
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,435
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3949 State Route 12 E measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Pandora 45877
  • Costs more per square foot than 75% of homes in Pandora 45877
  • Bigger than 79% of homes in Pandora 45877
  • Has a bigger lot than 84% of homes in Putnam County

What homes are worth in Pandora 45877

Each bar is how many homes fall in that price range. The marker is this home.

This home
$84K$491K

This home is worth more than 86% of homes in Pandora 45877.

How it measures up in Pandora 45877

The dot is this home. The mark in the middle is the typical home in Pandora 45877.

Estimated value$351,092
CheaperTypical $227,722Pricier

Pricier than 86% of homes nearby

Price per ft²$159
CheaperTypical $136Pricier

Pricier than 75% of homes nearby

Living area2,204 ft²
SmallerTypical 1,694 ft²Bigger

Bigger than 79% of homes nearby

Lot size2.08 ac
SmallerTypical 0.46 acBigger

Bigger than 83% of homes nearby

How 3949 State Route 12 E ranks against every home in each area.
MeasureThis homePandora 45877Putnam County
Estimated valuepricier than$351,09286% of homes82% of homes
Price per ft²pricier than$15975% of homes70% of homes
Living areabigger than2,204 ft²79% of homes78% of homes
Lot sizebigger than2.08 ac83% of homes84% of homes

About 3949 State Route 12 E

How much is 3949 State Route 12 E, Pandora, OH worth?

The TopHap Estimate for 3949 State Route 12 E, Pandora, OH is $351,092 as of Jul 14, 2026. The likely range is $286,559 to $415,625. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3949 State Route 12 E, Pandora, OH last sell?

3949 State Route 12 E, Pandora, OH last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3949 State Route 12 E, Pandora, OH?

3949 State Route 12 E, Pandora, OH has 3 bathrooms, 2,204 square feet of living space and a 2.08-acre lot.

What schools serve 3949 State Route 12 E, Pandora, OH?

3949 State Route 12 E, Pandora, OH is assigned to Pandora-Gilboa Middle School (middle), rated B; Pandora-Gilboa High School (high), rated A-; Pandora-Gilboa Elementary School (elementary), rated B. All sit in Pandora-Gilboa Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3949 State Route 12 E, Pandora, OH compare to other homes in Pandora 45877?

Among the 807 homes in Pandora 45877, it is worth more than 86% of them ($351,092 against a typical $227,722), its price per square foot is higher than 75% of them ($159 against a typical $136), it is bigger than 79% of them (2,204 ft² against a typical 1,694 ft²) and its lot is bigger than 83% of them (2.08 ac against a typical 0.46 ac). Measured against all of Putnam County, it is worth more than 82% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3949 State Route 12 E, Pandora, OH?

The 2025 property tax bill for 3949 State Route 12 E, Pandora, OH was $2,105. The county assessed it at $71,640.

Closest homes

More homes in Pandora 45877

Assigned schools

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