Preble County property record for 1242 Surface Rd, Eaton, OH 45320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,815 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $126,000 (Jul 2018) |
| Tax Bill | $2,128 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L39-8216-302-00-009-000 |
| Primary APN | L39-8216-302-00-009-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,815 sqft Living Area |
| 1st Floor Area | 1,815 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Heating System | Central |
|---|---|
| Sewer | Connected |
| Water Source | Private |
| Street Address | 1242 SURFACE RD |
|---|---|
| City | EATON |
| State | OH |
| Zip | 45320-9280 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 CREST DALE SUBD |
| Legal Subdivision | CREST DALE SUBD |
| Legal Lot Number | 9 |
| Jurisdiction | PREBLE OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 450100 |
Source: Preble County records, as of March 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage SOMERVILLE SAVINGS BANK |
| Mar 25, 2013 | Warranty Deed, Transfer · Conventional Mortgage THE SOMERVILLE NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on Record |
| Deed Sale | Jul 26, 2018 · Amount on Record |
| Prior Sale | Mar 25, 2013 · Amount on Record |
| Deed Document Number | 959 |
| Deed Book / Page | 384 / 0255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 00431/1228 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 431/1228 |
| Instrument | 202200001048 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Document Number | 00460/2331 |
|---|---|
| Date | Nov 7, 2024 |
| Book Page | 460/2331 |
| Instrument | 202400004204 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Jul 26, 2018 |
| Property Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Document Number | 00384/0255 |
| Book / Page | 384 / 0255 |
| Map Reference | MB 10 PG 15 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 201800003152 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | SOJOURNERS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $378.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Investor | Possibly a Property Investor |
| Document Number | 201800003153 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 201800003153 |
| Name | SOMERVILLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Mar 25, 2013 |
| Property Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Document Number | 327/1401 |
| Book / Page | 327 / 1401 |
| Map Reference | MB10 PG15 |
| Instrument Date | Feb 28, 2013 |
| Instrument | 201300001753 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $189.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1242 SURFACE RD, EATON, OH 45320-9280 |
| Investor | Possibly a Property Investor |
| Document Number | 00327/1404 |
|---|---|
| Date | Mar 25, 2013 |
| Book Page | 327/1404 |
| Instrument | 201300001754 |
| Name | THE SOMERVILLE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | EATON, OH 45320 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2043 |
Source: Preble County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Preble County |
| County Subdivision | Washington Township |
| Unified School District | Eaton Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,128.00 (+1.14%) Homeowner's exemption | $59,330 (-) Land $8,470 Building $50,860 | |
| 2024 | $2,104.00 (-14.33%) Homeowner's exemption | $59,330 (-) Land $8,470 Building $50,860 | |
| 2023 | $2,456.00 (+28.12%) Homeowner's exemption | $59,330 (+35.15%) Land $8,470 Building $50,860 | $169,500 (-) Land $24,200 Building $145,300 |
| 2022 | $1,917.00 Homeowner's exemption | $43,900 Land $7,390 Building $36,510 | |
| 2020 | $169,500 Land $24,200 Building $145,300 |
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.
Source: FEMA National Flood Hazard Layer, effective May 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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