309 E Main St, Eaton, OH 45320 Property Records

Preble County property record for 309 E Main St, Eaton, OH 45320

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,666 sqft · built 1928
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on Record
Last Sale	$184,900 (Jun 2018)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	May 2026 Construction Loan Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-064-03-005-000`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-064-03-005-000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,666 sqft Living Area
1st Floor Area	1,581 sqft
2nd Floor Area	1,085 sqft
Upper Floors Area	1,085 sqft
Basement Area	1,038 sqft
Unfinished Basement	1,038 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Metal
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	198 ft deep x 49 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	347 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	309 E MAIN ST
City	EATON
State	OH
Zip	45320-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 283
Legal Subdivision	EATON
Legal Lot Number	283
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	2
Census Block	2002
Census Tract	455001

Owner

Source: Preble County records, as of June 30, 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 MAIN ST, EATON, OH 45320-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	Dec 6, 2000 · Amount on Record
Deed Document Number	20182669
Deed Book / Page	383 / 582
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Recording Date	May 27, 2026
Property Address	309 E MAIN ST, EATON, OH 45320-1805
Document Number	0000002221
Book / Page	479 / 1151
Instrument Date	May 27, 2026
Instrument	20262221
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E MAIN ST, EATON, OH 45320-1805
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002221,
Date	May 27, 2026
Book Page	479/1151
Instrument	20262221

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2056

Interest

Rate	6.3%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	309 E MAIN ST, EATON, OH 45320-1805
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	418/512
Date	Apr 22, 2021
Book Page	418/512
Instrument	202100002311

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jun 20, 2018
Property Address	309 E MAIN ST, EATON, OH 45320-1805
Document Number	383/0582
Book / Page	383 / 0582
Instrument Date	Jun 15, 2018
Instrument	201800002669
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	E-PERFORMANCE TITLE, PERFORMANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.70
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 E MAIN ST, EATON, OH 45320-1805

Mortgage

Document Number	201800002670
Date	Jun 20, 2018
Instrument	201800002670

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$2,774.00 (+1.17%) Homeowner's exemption	$79,100 (-) Land $9,660 Building $69,440
2024	$2,742.00 (-14.66%) Homeowner's exemption	$79,100 (-) Land $9,660 Building $69,440
2023	$3,213.00 (+36.49%) Homeowner's exemption	$79,100 (+41.58%) Land $9,660 Building $69,440	$226,000 (-) Land $27,600 Building $198,400
2022	$2,354.00 Homeowner's exemption	$55,870 Land $9,000 Building $46,870
2020			$226,000 Land $27,600 Building $198,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	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	EATON PUBLIC WATER SYSTEM serves 8,400 people · EPA ID OH6801612
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	7 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	None 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 463 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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