112 Cottage St, Camden, OH 45311 Property Records

Preble County property record for 112 Cottage St, Camden, OH 45311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1900
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on Record
Tax Bill	$1,354 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`J30-0002-008-00-020-000`

Property Details

APN / Parcel Number

Primary APN	`J30-0002-008-00-020-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,952 sqft Living Area
1st Floor Area	1,568 sqft
2nd Floor Area	384 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	66 ft deep x 170 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	112 COTTAGE ST
City	CAMDEN
State	OH
Zip	45311-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.170 AC IN LOT 342 PLUS .031 AC IN OUT LOT 1
Legal Subdivision	VILLAGE OF CAMDEN
Legal Lot Number	342
Jurisdiction	PREBLE OH
Township / Civil Division	SOMERS
Census Block Group	1
Census Block	1069
Census Tract	470102

Owner

Source: Preble County records, as of October 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Jul 12, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 16, 2022	Quit Claim Deed, Transfer SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY
May 16, 2022	Quit Claim Deed, Transfer SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023
Deed Sale	Jul 12, 2023
Prior Sale	Mar 8, 1996 · Amount on Record
Deed Document Number	20232649
Deed Book / Page	447 / 359
Prior Transfer Date	May 13, 2022
Prior Transfer Doc	00434/1538
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Recording Date	Sep 22, 2026
Property Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Document Number	0000004234
Book / Page	483 / 2203
Instrument Date	Sep 17, 2026
Instrument	20264234
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004234,
Date	Sep 22, 2026
Book Page	483/2203
Instrument	20264234

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 12, 2023
Property Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Document Number	000447/359
Book / Page	447 / 359
Map Reference	VOL 389 PG 148
Instrument Date	Jun 16, 2023
Instrument	202300002649
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$503.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202300002650
Date	Jul 12, 2023
Instrument	202300002650

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PREBLE OH
Recording Date	May 16, 2022
Property Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Document Number	00434/1538
Book / Page	434 / 1538
Map Reference	VOL 89 PG 148
Instrument Date	May 13, 2022
Instrument	202200002615
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	140 N 2ND ST, CAMDEN, OH 45311-1046

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PREBLE OH
Recording Date	May 16, 2022
Property Address	112 COTTAGE ST, CAMDEN, OH 45311-1059
Document Number	00434/1534
Book / Page	434 / 1534
Map Reference	VOL 348 PG 118
Instrument Date	May 11, 2022
Instrument	202200002613
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 S BARRON ST, EATON, OH 45320-2303

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,354.00 (-1.17%) Homeowner's exemption	$34,580 (-) Land $9,240 Building $25,340
2024	$1,370.00 (+0.44%) Homeowner's exemption	$34,580 (-) Land $9,240 Building $25,340
2023	$1,364.00 (+30.28%) Homeowner's exemption	$34,580 (+40.28%) Land $9,240 Building $25,340	$98,800 (-) Land $26,400 Building $72,400
2022	$1,047.00 Homeowner's exemption	$24,650 Land $8,160 Building $16,490
2020			$98,800 Land $26,400 Building $72,400

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

Source: FEMA National Flood Hazard Layer, effective May 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2020 · other causes

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

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	None beyond 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	VILLAGE OF CAMDEN serves 2,050 people · EPA ID OH6800112
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 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: altafiber Network Solutions, Brightspeed.

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