122 E James St, Bradford, OH 45308 Property Records

Miami County property record for 122 E James St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,560 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Tax Bill	$1,430 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`H18-002300`

Property Details

APN / Parcel Number

Primary APN	`H18-002300`
Alternative APNs	`090422.3-08-014-00` `H18BF005 01400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	1,572 sqft
Upper Floors Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	145 ft deep x 58 ft wide
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	122 E JAMES ST
City	BRADFORD
State	OH
Zip	45308-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 227 58 1/2
Legal Subdivision	RAILROAD ADDITION
Legal Lot Number	227
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2034
Census Tract	320100

Owner

Source: Miami County records, as of July 28, 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	122 E JAMES ST, BRADFORD, OH 45308-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Nov 20, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Prior Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	202120889
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 2, 2021
Property Address	122 E JAMES ST, BRADFORD, OH 45308-1316
Document Number	0000020889
Instrument Date	Nov 23, 2021
Instrument	2021OR-20889
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
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
Address	122 E JAMES ST, BRADFORD, OH 45308-1316

Mortgage

Document Number	0000020890
Date	Dec 2, 2021
Instrument	2021OR-20890

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 20, 2020
Property Address	122 E JAMES ST, BRADFORD, OH 45308-1316
Document Number	0000017446
Instrument Date	Nov 18, 2020
Instrument	17446
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$66.00
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	11219 US ROUTE 36 BRADFORD OH 453089436, BRADFORD, OH 45308-9436

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Bradford Village
County	Miami County
County Subdivision	Newberry Township
Unified School District	Bradford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,430.00 (+60.31%) Homeowner's exemption	$45,160 (+95.75%) Land $5,360 Building $39,800	$129,000 (+95.75%) Land $15,300 Building $113,700
2024	$892.00 (+1.83%) Homeowner's exemption	$23,070 (-) Land $5,810 Building $17,260
2023	$876.00 (-4.78%) Homeowner's exemption	$23,070 (-) Land $5,810 Building $17,260	$65,900 (-) Land $16,600 Building $49,300
2022	$920.00 Homeowner's exemption	$23,070 Land $5,810 Building $17,260	$65,900 Land $16,600 Building $49,300

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 March 10, 2023

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 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	BRADFORD VILLAGE PWS serves 2,000 people · EPA ID OH1900212
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	5 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	3 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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