Montgomery County property record for 128 S Main St, Union, OH 45322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,586 sqft · built 1950 |
| Lot Size | 1.88 acres (82,023 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jul 2021) |
| Tax Bill | $4,571 (2024) |
| Deeds & Mortgages | May 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M58 00102 0050 |
| Primary APN | M58 00102 0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,586 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 182 sqft |
| Unfinished Basement | 182 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 82,023 sqft (1.88 acres) |
| Garage Type | Mixed |
| Garage Area | 1,600 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 506 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 128 S MAIN ST |
|---|---|
| City | UNION |
| State | OH |
| Zip | 45322-3303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-5-10 1-2-70 |
| Legal Subdivision | DIXIE TERRACE SEC 02 |
| Legal Lot Number | 50 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | UNION CITY |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 125000 |
128 S Main St is owned and occupied by an individual who acquired it in July 2021.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 128 S MAIN ST, UNION, OH 45322-3303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Jul 9, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC |
| Jul 29, 2021 | Intrafamily Transfer, Transfer PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2021 · Amount on File |
| Deed Sale | Jul 9, 2021 · Amount on File |
| Prior Sale | Jul 9, 2021 · Amount on File |
| Deed Document Number | 0000051733 |
| Last Transfer Date | Jul 29, 2021 |
| Transfer Doc | 0000057191 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 128 S MAIN ST, UNION, OH 45322-3303 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000031394 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 2022-00031394 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 25, 2047 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 9, 2021 |
| Property Address | 128 S MAIN ST, UNION, OH 45322-3303 |
| Document Number | 0000051733 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021-00051733 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 S MAIN ST, UNION, OH 45322-3303 |
| Document Number | 0000051734 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021-00051734 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 29, 2021 |
| Property Address | 128 S MAIN ST, UNION, OH 45322-3303 |
| Document Number | 0000057191 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021-00057191 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 128 S MAIN ST, UNION, OH 45322-3303 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Union City |
| Unified School District | Northmont City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $63,680 Land $20,590 Building $43,090 | ||
| 2024 | $4,571.00 (+8.14%) | ||
| 2023 | $4,227.00 (+12.75%) | $63,680 (+48.99%) Land $20,590 Building $43,090 | $181,950 Land $58,830 Building $123,120 |
| 2022 | $3,749.00 | $42,740 Land $13,820 Building $28,920 | |
| 2020 | $122,110 Land $39,480 Building $82,630 |
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.
FEMA maps place 128 S Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
Source: FEMA National Flood Hazard Layer, effective June 21, 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2019 · river or lake flooding |
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 risk around 128 S Main St is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UNION CITY PWS serves 7,000 people · EPA ID OH5702512 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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