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Residential (General/Single)Residential
$135,391
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 78How 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
Last sold for $164,000 on May 30, 2008

FLAT ROCK

PAYNE, OH 45880
0
Baths
1.48 ac
Lot SizeThe size of the land the home sits on, from county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$135K
$106K low$165K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$164,000 · May 30, 2008
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.$10,391
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$8,313
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.143%
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.$100,000
FIRST FEDERAL BANK OF THE MIDWEST · recorded Sep 9, 2019
2nd 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.$25,000
MIDWEST COMMUNITY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$353 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$10,650 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,440
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,210
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$30,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.79 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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyPaulding
Lot (acres)The size of the land the home sits on, from county records.1.48
HeatingThe type of heating system in the home.None
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.

E
Payne Elementary SchoolB-
Elementary · Grades KG–6 · 0.7 mi
M
Wayne Trace High SchoolB+
Middle · Grades 7–12 · 8.3 mi

District: Wayne Trace Local School District

Neighborhood · ZIP 45880These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.146
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.2,141
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,855
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,211
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.Absentee owner
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

Flat Rock 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.

  • Has a bigger lot than 73% of homes in Payne 45880

What homes are worth in Payne 45880

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

This home
$48K$526K

This home is worth more than 46% of homes in Payne 45880.

How it measures up in Payne 45880

The dot is this home. The mark in the middle is the typical home in Payne 45880.

Estimated value$135,391
CheaperTypical $142,086Pricier

Pricier than 46% of homes nearby

Lot size1.48 ac
SmallerTypical 0.44 acBigger

Bigger than 73% of homes nearby

How Flat Rock ranks against every home in each area.
MeasureThis homePayne 45880Paulding County
Estimated valuepricier than$135,39146% of homes49% of homes
Lot sizebigger than1.48 ac73% of homes66% of homes

About Flat Rock

How much is Flat Rock, Payne, OH worth?

The TopHap Estimate for Flat Rock, Payne, OH is $135,391 as of Jul 14, 2026. The likely range is $105,701 to $165,081. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did Flat Rock, Payne, OH last sell?

Flat Rock, Payne, OH last sold on May 30, 2008 for $164,000, according to the county's recorded deed.

What schools serve Flat Rock, Payne, OH?

Flat Rock, Payne, OH is assigned to Payne Elementary School (elementary), rated B-; Wayne Trace High School (middle), rated B+. All sit in Wayne Trace Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does Flat Rock, Payne, OH compare to other homes in Payne 45880?

Among the 1,016 homes in Payne 45880, it is worth more than 46% of them ($135,391 against a typical $142,086) and its lot is bigger than 73% of them (1.48 ac against a typical 0.44 ac). Measured against all of Paulding County, it is worth more than 49% 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 Flat Rock, Payne, OH?

The 2024 property tax bill for Flat Rock, Payne, OH was $353. The county assessed it at $10,650.

Closest homes

More homes in Payne 45880

Assigned schools

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