275 Wayne Trace Rd, Eaton, OH 45320 Property Records

Preble County property record for 275 Wayne Trace Rd, Eaton, OH 45320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1996
Lot Size	2.24 acres (97,836 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2021)
Tax Bill	$4,084 (2025)
Deeds & Mortgages	Sep 2013 Mortgage May 2015 Reverse Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-073-01-012-005`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-073-01-012-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
1st Floor Area	1,748 sqft
Basement Area	1,748 sqft
Unfinished Basement	1,748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	97,836 sqft (2.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	107 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	275 WAYNE TRACE RD
City	EATON
State	OH
Zip	45320-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N PT OUTLOT 139
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	1
Census Block	1000
Census Tract	455001

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	2 Individual Names on Record
Mailing Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2013	Deed of Trust, Mortgage FARM CREDIT MIDSOUTH ACA
May 22, 2015	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 22, 2015	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 30, 2005	Deed of Trust, Mortgage GORDON LENDING CORP
Jun 2, 2009	Deed of Trust, Mortgage FARM CREDIT SERVICES OF MID AMERICA ACA
Apr 25, 2012	Deed of Trust, Mortgage FARM CREDIT SERVICES OF MID AMERICA ACA
Jul 2, 2021	Executor's Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 2, 2021	Executor's Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Mar 26, 1997 · Amount on Record
Deed Document Number	20213798
Deed Book / Page	421 / 786
Prior Transfer Date	Feb 24, 2006
Prior Transfer Doc	311/2188
Record Updated	Sep 20, 2026

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00334/0720
Date	Sep 13, 2013
Book Page	334/0720
Instrument	201300005457

Lender

Name	FARM CREDIT MIDSOUTH ACA
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40223

Agreement

Amount	Amount Recorded
Term	123 Months
Due	Dec 1, 2023

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	PNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00350/1242
Date	May 22, 2015
Book Page	350/1242
Instrument	201500002134

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	800 Months
Due	Jan 18, 2082

Interest

Rate Type	Adjustable Rate
Rate	2.93%
Type Change Date	Jul 1, 2015
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	12.9%

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	PNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00350/1257
Date	May 22, 2015
Book Page	350/1257
Instrument	201500002135

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.93%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2015
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	12.9%

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	KENDRA TITLE, KENDRA TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00229/1692
Date	Mar 30, 2005
Book Page	229/1692
Instrument	200500060096

Lender

Name	GORDON LENDING CORP
Address	5940 WILCOX PL STE B, DUBLIN, OH 43016

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2035

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00285/0645
Date	Jun 2, 2009
Book Page	285/0645
Instrument	200900095300

Lender

Name	FARM CREDIT SERVICES OF MID AMERICA ACA
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40223

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2024

Interest

Rate Type	Fixed Rate

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00315/1781
Date	Apr 25, 2012
Book Page	315/1781
Instrument	201200002049

Lender

Name	FARM CREDIT SERVICES OF MID AMERICA ACA
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40232

Agreement

Amount	Amount Recorded
Term	176 Months
Due	Dec 1, 2026

July 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 2, 2021
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Document Number	421/786
Book / Page	421 / 786
Instrument Date	Jul 2, 2021
Instrument	202100003798
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	FREEDOM TITLE AGENCY INC, FREEDOM TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	202100003799
Date	Jul 2, 2021
Instrument	202100003799

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

July 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 2, 2021
Property Address	275 WAYNE TRACE RD, EATON, OH 45320-2211
Document Number	000421/786
Book / Page	421 / 786
Instrument Date	Jul 2, 2021
Instrument	202100003798
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	FREEDOM TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	275 WAYNE TRACE RD, EATON, OH 45320-2211

Mortgage

Document Number	202100003799
Date	Jul 2, 2021
Instrument	202100003799

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,084.00 (+1.19%) Homeowner's exemption	$117,430 (-) Land $19,390 Building $98,040
2024	$4,036.00 (-14.8%) Homeowner's exemption	$117,430 (-) Land $19,390 Building $98,040
2023	$4,737.00 (+51.83%) Homeowner's exemption	$117,430 (+57.08%) Land $19,390 Building $98,040	$335,500 (-) Land $55,400 Building $280,100
2022	$3,120.00 Homeowner's exemption	$74,760 Land $18,970 Building $55,790
2020			$335,500 Land $55,400 Building $280,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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