309 E James St, Bradford, OH 45308 Property Records

Miami County property record for 309 E James St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,768 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Sep 1986)
Tax Bill	$1,569 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H18-002590`

Property Details

APN / Parcel Number

Primary APN	`H18-002590`
Alternative APNs	`090422.3-13-005-00` `H18BF016 00500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
1st Floor Area	1,864 sqft
Upper Floors Area	836 sqft
Basement Area	418 sqft
Unfinished Basement	418 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	145 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	1,116 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	364 sqft
Deck Area	546 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	309 E JAMES ST
City	BRADFORD
State	OH
Zip	45308-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 256 55 1/2
Legal Lot Number	256
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2045
Census Tract	320100

Owner

Source: Miami County records, as of July 28, 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	309 E JAMES ST, BRADFORD, OH 45308-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Closed-End Mortgage THE COVINGTON SLA
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit THE COVINGTON SLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 1986 · Amount on Record
Deed Sale	Sep 1, 1986 · Amount on Record
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	309 E JAMES ST, BRADFORD, OH 45308-1319
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E JAMES ST, BRADFORD, OH 45308-1319

Mortgage

Document Number	0000000048
Date	Jan 3, 2023
Instrument	2023OR-00048

Lender

Name	THE COVINGTON SLA
Type	Bank
Address	COVINGTON, OH 45318

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	309 E JAMES ST, BRADFORD, OH 45308-1319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010584
Date	Aug 3, 2020
Instrument	2020OR-10584

Lender

Name	THE COVINGTON SLA
Type	Bank
Address	COVINGTON, OH 45318

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 29, 2030

Tax Assessment & Valuation

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	$1,569.00 (+29.56%) Homeowner's exemption	$49,560 (+58.19%) Land $5,180 Building $44,380	$141,600 (+58.21%) Land $14,800 Building $126,800
2024	$1,211.00 (+1.76%) Homeowner's exemption	$31,330 (-) Land $5,600 Building $25,730
2023	$1,190.00 (-4.72%) Homeowner's exemption	$31,330 (-) Land $5,600 Building $25,730	$89,500 (-) Land $16,000 Building $73,500
2022	$1,249.00 Homeowner's exemption	$31,330 Land $5,600 Building $25,730	$89,500 Land $16,000 Building $73,500

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

Flood

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

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

Wildfire Risk	Not rated no burnable land 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	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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