20 West St, Gratis, OH 45330 Property Records

Preble County property record for 20 West St, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,707 sqft · built 1983
Lot Size	0.091 acres (3,960 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Oct 2018)
Tax Bill	$1,495 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-007-00-015-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-007-00-015-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,707 sqft Living Area
1st Floor Area	957 sqft
2nd Floor Area	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,960 sqft (0.091 acres)
Lot Dimensions	132 ft deep x 30 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	20 WEST ST
City	GRATIS
State	OH
Zip	45330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5' S SIDE PT LOT 53 & 25' N SIDE 54
Legal Subdivision	PLAT OF THE VILLAGE OF GRATIS
Legal Lot Number	53
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	2
Census Block	2012
Census Tract	480100

Owner

Source: Preble County records, as of March 17, 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	20 WEST ST, GRATIS, OH 45330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 1, 2018	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Jun 6, 2016 · Amount on Record
Deed Document Number	20184200
Deed Book / Page	386 / 247
Prior Transfer Date	Sep 27, 2018
Prior Transfer Doc	00386/0247
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	20 WEST ST, GRATIS, OH 45330
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	NOT AVAILABLE, FAMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ADA DOTY ST, GRATIS, OH 45330
Investor	Possibly a Property Investor

Mortgage

Document Number	00407/2432
Date	Aug 19, 2020
Book Page	407/2432
Instrument	202000003936

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Oct 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Oct 1, 2018
Property Address	20 WEST ST, GRATIS, OH 45330
Document Number	00386/0247
Book / Page	386 / 0247
Instrument Date	Sep 27, 2018
Instrument	201800004200
Transaction Type	Transfer
Record Updated	Apr 25, 2024
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20 ADA DOTY STREET, GRATIS, OH 45330

Mortgage

Document Number	201800004201
Date	Oct 1, 2018
Instrument	201800004201

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,495.00 (-1.25%) Homeowner's exemption	$39,210 (-) Land $2,700 Building $36,510
2024	$1,514.00 (+9%) Homeowner's exemption	$39,210 (-) Land $2,700 Building $36,510
2023	$1,389.00 (-2.39%) Homeowner's exemption	$39,210 (+1.82%) Land $2,700 Building $36,510	$112,000 (-) Land $7,700 Building $104,300
2022	$1,423.00 Homeowner's exemption	$38,510 Land $2,000 Building $36,510
2020			$112,000 Land $7,700 Building $104,300

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 May 7, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	GRATIS VILLAGE PWS serves 990 people · EPA ID OH6800612
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 185 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: AT&T, Brightspeed.

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