1520 Surface Rd, Eaton, OH 45320 Property Records

Preble County property record for 1520 Surface Rd, Eaton, OH 45320 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,584 sqft · built 2017
Lot Size	1.6 acres (70,001 sqft)
Owner	Individual Name on File
Last Sale	$24,000 (Mar 2004)
Tax Bill	$2,046 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L39-8216-000-00-002-006`

Property Details

APN / Parcel Number

Primary APN	`L39-8216-000-00-002-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft

Exterior

Year Built	Built 2017
Construction Type	Frame
Roof Material	Shingle
Lot Area	70,001 sqft (1.6 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Shed	1 Shed
Shed Area	112 sqft
Canopy	308 sqft

Location & Zoning

Street Address	1520 SURFACE RD
City	EATON
State	OH
Zip	45320-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW PT SW (EAST TRACT)
Jurisdiction	PREBLE OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1024
Census Tract	450100

Owner

Source: Preble County records · APN L39-8216-000-00-002-006

Assessment roll updated August 1, 2025 · Last verified March 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 File
Mailing Address	1520 SURFACE RD, EATON, OH 45320-9225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 17, 2004 · Amount on Record
Deed Sale	Mar 17, 2004 · Amount on Record
Deed Document Number	426
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	1520 SURFACE RD, EATON, OH 45320-9225
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 SURFACE RD, EATON, OH 45320-9225

Mortgage

Document Number	406/201
Date	Jul 07, 2020
Book Page	406/201
Instrument	202000003026

Lender

Name	TIMOTHY A SMITH
Type	Private Party
Address	1902 EATON GETTYSBURG RD, EATON, OH 45320

Agreement

Amount	Amount Recorded
Term	97 Months
Due	Aug 01, 2028

Tax Assessment & Valuation

Source: Preble County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Washington Township
Unified School District	Eaton Community City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,046.00 (+12.42%) Homeowner's exemption	$66,120 (+10.59%) Land $11,800 Building $54,320
2024	$1,820.00 (-15.31%) Homeowner's exemption	$59,790 (-) Land $11,800 Building $47,990
2023	$2,149.00 (+10.43%) Homeowner's exemption	$59,790 (+13.89%) Land $11,800 Building $47,990	$188,900 (+10.6%) Land $33,700 Building $155,200
2022	$1,946.00 Homeowner's exemption	$52,500 Land $10,780 Building $41,720
2020			$170,800 Land $33,700 Building $137,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Preble County (39135C), updated May 7, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391354501001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force 3 of 3 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.