209 E Elm St, Bradford, OH 45308 Property Records

Miami County property record for 209 E Elm St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,672 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Aug 2026)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H18-002880`

Property Details

APN / Parcel Number

Primary APN	`H18-002880`
Alternative APNs	`090422.3-15-006-00` `H18BF009 01300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,672 sqft Living Area
1st Floor Area	1,872 sqft
Upper Floors Area	736 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	145 ft deep x 56 ft wide

Exterior Amenities

Porch	Slab
Porch Area	415 sqft
Deck Area	120 sqft
Patio Area	608 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	209 E ELM ST
City	BRADFORD
State	OH
Zip	45308-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 285 55 1/2
Legal Subdivision	VILLAGE OF BRADFORD
Legal Lot Number	285
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2042
Census Tract	320100

Owner

209 E Elm St is owned and occupied by two individuals who bought it in August 2026.

Source: Miami County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 E ELM ST, BRADFORD, OH 45308-1311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed, Transfer · Conventional Mortgage DFT2 FINANCIAL LLC
Dec 7, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on File
Deed Sale	Aug 4, 2026 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	20269682
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 4, 2026
Property Address	209 E ELM ST, BRADFORD, OH 45308-1311
Document Number	0000009682
Instrument Date	Jul 31, 2026
Instrument	20269682
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E ELM ST, BRADFORD, OH 45308-1311

Mortgage

Document Number	0000009683,
Date	Aug 4, 2026
Instrument	20269683

Lender

Name	DFT2 FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 7, 2020
Property Address	209 E ELM ST, BRADFORD, OH 45308-1311
Document Number	0000018297
Instrument Date	Nov 25, 2020
Instrument	2020OR-18297
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
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	209 E ELM ST, BRADFORD, OH 45308-1311

Mortgage

Document Number	0000018298
Date	Dec 7, 2020
Instrument	2020OR-18298

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 209 E Elm St was $1,579 with a homeowner's exemption, up 15.6% from the year before.

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	$1,579.00 (+15.59%) Homeowner's exemption	$49,840 (+41.27%) Land $5,180 Building $44,660	$142,400 Land $14,800 Building $127,600
2024	$1,366.00 (+1.86%) Homeowner's exemption	$35,280 (-) Land $5,600 Building $29,680
2023	$1,341.00 (-4.76%) Homeowner's exemption	$35,280 (-) Land $5,600 Building $29,680	$100,800 (-) Land $16,000 Building $84,800
2022	$1,408.00 Homeowner's exemption	$35,280 Land $5,600 Building $29,680	$100,800 Land $16,000 Building $84,800

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

FEMA maps place 209 E Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 209 E Elm St is low, with less than 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 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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