104 West St, Gratis, OH 45330 Property Records

Preble County property record for 104 West St, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,888 sqft · built 1975
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individuals on Record
Tax Bill	$2,187 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-007-00-033-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-007-00-033-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	1,116 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Indoor Pool
Pool Area	800 sqft
Porch	Slab
Porch Area	816 sqft
Patio Area	252 sqft
Shed	1 Shed
Shed Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 WEST ST
City	GRATIS
State	OH
Zip	45330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 51
Legal Subdivision	VILLAGE OF GRATIS
Legal Lot Number	51
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	3
Census Block	3013
Census Tract	480100

Owner

Source: Preble County assessment roll, as of March 17, 2026

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

Owner of Record	2 Individuals on Record
Mailing Address	PO BOX 57, GRATIS, OH 45330-0057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Jul 2, 2019	Intrafamily Transfer, Transfer · FHA Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019
Deed Sale	Jul 2, 2019
Prior Sale	Nov 5, 2012 · Amount on Record
Deed Document Number	20192884
Deed Book / Page	394 / 182
Prior Transfer Date	Jun 14, 2019
Prior Transfer Doc	00394/0182
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	104 N ADA DOTY ST, GRATIS, OH 45330-3505
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ADA DOTY STREET, GRATIS, OH 45330-3505
Investor	Possibly a Property Investor

Mortgage

Document Number	00409/1080
Date	Sep 29, 2020
Book Page	409/1080
Instrument	202000004650

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 8, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	104 N ADA DOTY ST, GRATIS, OH 45330-3505
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00404/2176
Date	Jun 4, 2020
Book Page	404/2176
Instrument	202000002421

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PREBLE OH
Recording Date	Jul 2, 2019
Property Address	104 N ADA DOTY ST, GRATIS, OH 45330-3505
Document Number	00394/0182
Book / Page	394 / 0182
Instrument Date	Jun 14, 2019
Instrument	201900002884
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 NORTH ADA DOTY STREET, GRATIS, OH 45330-3505
Investor	Possibly a Property Investor

Mortgage

Document Number	201900002885
Date	Jul 2, 2019
Instrument	201900002885

Lender

Name	SYNERGY ONE LENDING
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Preble County assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Gratis Township
Municipality	Gratis Village
Unified School District	Preble Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,187.00 (-1.22%) Homeowner's exemption	$58,520 (-) Land $5,950 Building $52,570
2024	$2,214.00 (+8.9%) Homeowner's exemption	$58,520 (-) Land $5,950 Building $52,570
2023	$2,033.00 (-5.18%) Homeowner's exemption	$58,520 (-1.2%) Land $5,950 Building $52,570	$167,200 (-) Land $17,000 Building $150,200
2022	$2,144.00 Homeowner's exemption	$59,230 Land $4,450 Building $54,780
2020			$167,200 Land $17,000 Building $150,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 7, 2024

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GRATIS VILLAGE PWS serves 990 people · EPA ID OH6800612
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed.

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