309 Cheryl Ct, Eaton, OH 45320 Property Records

Preble County property record for 309 Cheryl Ct, Eaton, OH 45320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,482 sqft · built 1980
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$276,000 (Nov 2021)
Tax Bill	$3,182 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-045-01-028-000`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-045-01-028-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,482 sqft Living Area
1st Floor Area	2,482 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	21,780 sqft (0.5 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	262 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	309 CHERYL CT
City	EATON
State	OH
Zip	45320-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2212 WESTERN HEIGHTS SUBD SEC 2
Legal Subdivision	WESTERN HEIGHTS SUBD SEC 2
Legal Lot Number	2212
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	1
Census Block	1044
Census Tract	450100

Owner

309 Cheryl Ct is owned and occupied by an individual who bought it in November 2021.

Source: Preble County records, as of March 17, 2026

Owner of Record	Individual Name on File
Mailing Address	309 CHERYL CT, EATON, OH 45320-1601
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit SOMERVILLE BANK
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOMERVILLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Jul 9, 2013 · Amount on File
Deed Document Number	20216413
Deed Book / Page	426 / 2629
Prior Transfer Date	Jun 29, 2005
Prior Transfer Doc	252/0020
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Nov 8, 2021
Property Address	309 CHERYL CT, EATON, OH 45320-1601
Document Number	00426/2629
Book / Page	426 / 2629
Instrument Date	Nov 5, 2021
Instrument	202100006413
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	FREEDOM TITLE AGENCY INC, FREEDOM TITLE COMPANY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$828.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	309 CHERYL CT, EATON, OH 45320-1601

Mortgage

Document Number	202100006414
Date	Nov 8, 2021
Instrument	202100006414

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	309 CHERYL CT, EATON, OH 45320-1601
Transaction Type	Mortgage
Record Updated	Oct 16, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	409/503
Date	Sep 22, 2020
Book Page	409/503
Instrument	202000004526

Lender

Name	SOMERVILLE BANK
Type	Bank
Address	EATON, OH 45320

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 16, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	309 CHERYL CT, EATON, OH 45320-1601
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	SOUTHWESTERN OHIO TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	406/740
Date	Jul 9, 2020
Book Page	406/740
Instrument	202000003122

Lender

Name	SOMERVILLE BANK
Type	Bank
Address	EATON, OH 45320

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 309 Cheryl Ct was $3,182 with a homeowner's exemption, up 1.2% from the year before.

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	$3,182.00 (+1.18%) Homeowner's exemption	$91,140 (-) Land $14,910 Building $76,230
2024	$3,145.00 (-14.7%) Homeowner's exemption	$91,140 (-) Land $14,910 Building $76,230
2023	$3,687.00 (+28.51%) Homeowner's exemption	$91,140 (+32.84%) Land $14,910 Building $76,230	$260,400 Land $42,600 Building $217,800
2022	$2,869.00 Homeowner's exemption	$68,610 Land $10,750 Building $57,860
2020			$260,400 Land $42,600 Building $217,800

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 309 Cheryl Ct in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 309 Cheryl Ct 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 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	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: T-Mobile.

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