109 Stone Trace Dr, Mount Orab, OH 45154 Property Records

Brown County property record for 109 Stone Trace Dr, Mount Orab, OH 45154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2004
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2026)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Aug 2026 Sale & Line of Credit Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-071772-01-13`

Property Details

APN / Parcel Number

Primary APN	`11-071772-01-13`
Alternative APN	`030719-9`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	030719-9
Street Address	109 STONE TRACE DR
City	MOUNT ORAB
State	OH
Zip	45154-8568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 12926 .32 ACRES LOT 15THE HERITAGE SUB IV MT ORAB VILLAGE/GREEN TWPWESTERN BRN LSD
Legal Subdivision	HERITAGE SUBDIVISION
Legal Lot Number	15
Jurisdiction	BROWN OH
Township / Civil Division	GREEN
Census Block Group	1
Census Block	1003
Census Tract	951301

Owner

109 Stone Trace Dr is owned by two individuals who bought it in August 2026.

Source: Brown County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-1337
Owner Type	Individual
Vesting	Remainderman

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
Aug 5, 2026	Warranty Deed, Transfer · Line of Credit UNION SAVINGS BANK
Sep 19, 2023	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Dec 19, 2022	Fiduciary Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP
Dec 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Sep 19, 2023 · Amount on File
Deed Document Number	20264087
Deed Book / Page	558 / 2707
Prior Transfer Date	Sep 14, 2020
Prior Transfer Doc	0000007187
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWN OH
Recording Date	Aug 5, 2026
Property Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568
Document Number	0000004087
Book / Page	558 / 2707
Instrument Date	Jul 31, 2026
Instrument	20264087
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	US RECORDINGS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000004088,
Date	Aug 5, 2026
Instrument	20264088

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BROWN OH
Recording Date	Sep 19, 2023
Property Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568
Document Number	0000004370
Book / Page	524 / 295
Map Reference	CAB 2 SL 346
Instrument Date	Sep 8, 2023
Instrument	202300004370
Transaction Type	Transfer
Record Updated	Oct 4, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568

Mortgage

Document Number	0000004371
Date	Sep 19, 2023
Instrument	202300004371

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

December 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BROWN OH
Recording Date	Dec 19, 2022
Property Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568
Document Number	0000006994
Book / Page	520 / 659
Map Reference	CAB 2 SL 346
Instrument Date	Nov 30, 2022
Instrument	202200006994
Transaction Type	Transfer
Record Updated	Jan 2, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568

Mortgage

Document Number	0000006995
Date	Dec 19, 2022
Instrument	202200006995

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BROWN OH
Recording Date	Dec 18, 2020
Property Address	109 STONE TRACE DR, MOUNT ORAB, OH 45154-8568
Document Number	0000007187
Book / Page	000505 / 002936
Instrument Date	Sep 14, 2020
Instrument	7187
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	109 STONE DR MOUNT ORAB OH 45154, MOUNT ORAB, OH 45154

Tax Assessment & Valuation

The 2025 property tax bill for 109 Stone Trace Dr was $2,321.

Source: Brown County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Brown County
County Subdivision	Green Township
Municipality	Mount Orab Village
Unified School District	Western Brown Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,321.00	$72,940 (-) Land $9,450 Building $63,490
2024	$2,321.00 (+42.92%)	$72,940 (+54.6%) Land $9,450 Building $63,490	$208,400 Land $27,000 Building $181,400
2023	$1,624.00	$47,180 (-) Land $8,320 Building $38,860
2022	$1,624.00	$47,180 Land $8,320 Building $38,860
2021			$134,800 Land $23,760 Building $111,040

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 109 Stone Trace Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 109 Stone Trace Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MOUNT ORAB VILLAGE PWS serves 6,607 people · EPA ID OH0801011
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2022–2024) 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 189 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

May also be available: Verizon.

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