332 Wayne Trace Rd, Eaton, OH 45320 Property Records

Preble County property record for 332 Wayne Trace Rd, Eaton, OH 45320

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 4,848 sqft · built 1981
Lot Size	24.2 acres (1,056,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Sep 2020)
Tax Bill	$5,368 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Aug 2020 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-073-01-007-000`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-073-01-007-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,848 sqft Living Area
1st Floor Area	3,156 sqft
2nd Floor Area	1,692 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	1,056,940 sqft (24.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Indoor Pool
Pool Area	920 sqft
Porch	Slab
Porch Area	512 sqft
Deck Area	585 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	332 WAYNE TRACE RD
City	EATON
State	OH
Zip	45320-2214
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	OUTLOT 188 CITY OF EATON FKA D14730130000010000
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	2
Census Block	2051
Census Tract	450100

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	332 WAYNE TRACE RD, EATON, OH 45320-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit THE TWIN VALLEY BANK
May 19, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
May 1, 2008	Deed of Trust, Mortgage THE SOMERVILLE NATIONAL BANK
Feb 24, 2011	Deed of Trust, Mortgage · FHA Mortgage US BANK NA ND
May 19, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit THE TWIN VALLEY BANK
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Prior Sale	Apr 24, 2002 · Amount on Record
Deed Document Number	20204479
Deed Book / Page	409 / 216
Prior Transfer Date	May 20, 2015
Prior Transfer Doc	350/1525
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00379/1892
Date	Feb 13, 2018
Book Page	379/1892
Instrument	201800000700

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 WAYNE TRACE RD, EATON, OH 45320-2214

Mortgage

Document Number	00407/2047
Date	Aug 17, 2020
Book Page	407/2047
Instrument	202000003878

Lender

Name	THE TWIN VALLEY BANK
Type	Bank
Address	WEST ALEXANDRIA, OH 45381

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Feb 12, 2021

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 WAYNE TRACE RD, EATON, OH 45320-2214

Mortgage

Document Number	000419/997
Date	May 19, 2021
Book Page	419/997
Instrument	202100002887

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGEN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00274/0666
Date	May 1, 2008
Book Page	274/0666
Instrument	200800087844

Lender

Name	THE SOMERVILLE NATIONAL BANK
Type	Bank
Address	EATON, OH 45320

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2038

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00303/1806
Date	Feb 24, 2011
Book Page	303/1806
Instrument	201100000950

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Jun 15, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 WAYNE TRACE RD, EATON, OH 45320-2214

Mortgage

Document Number	419/997
Date	May 19, 2021
Book Page	419/997
Instrument	202100002887

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 WAYNE TRACE RD, EATON, OH 45320-2214

Mortgage

Document Number	407/2047
Date	Aug 17, 2020
Book Page	407/2047
Instrument	202000003878

Lender

Name	THE TWIN VALLEY BANK
Type	Bank
Address	WEST ALEXANDRIA, OH 45381

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Feb 12, 2021

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Sep 21, 2020
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Document Number	409/216
Book / Page	409 / 216
Instrument Date	Sep 17, 2020
Instrument	202000004479
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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

Mortgage

Document Number	202000004480
Date	Sep 21, 2020
Instrument	202000004480

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Sep 21, 2020
Property Address	332 WAYNE TRACE RD, EATON, OH 45320-2214
Document Number	000409/216
Book / Page	409 / 216
Instrument Date	Sep 17, 2020
Instrument	202000004479
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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	332 WAYNE TRACE RD, EATON, OH 45320-2214

Mortgage

Document Number	202000004480
Date	Sep 21, 2020
Instrument	202000004480

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$5,368.00 (+1.19%) Homeowner's exemption Additional exemption filed	$192,790 (-) Land $75,850 Building $116,940
2024	$5,305.00 (-14.87%) Homeowner's exemption	$192,790 (-) Land $75,850 Building $116,940
2023	$6,232.00 (+30.68%) Homeowner's exemption	$192,790 (+25.67%) Land $75,850 Building $116,940	$550,810 (-) Land $216,710 Building $334,100
2022	$4,769.00 Homeowner's exemption	$153,410 Land $63,880 Building $89,530
2020			$550,810 Land $216,710 Building $334,100

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
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 95% of the US · lower than 78% 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 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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