348 E Water St, Versailles, OH 45380 Property Records

Darke County property record for 348 E Water St, Versailles, OH 45380

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,022 sqft · built 1900
Lot Size	0.187 acres (8,189 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Jan 2017)
Tax Bill	$2,016 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T76-2-410-19-01-03-10400`

Property Details

APN / Parcel Number

Primary APN	`T76-2-410-19-01-03-10400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,022 sqft Living Area
1st Floor Area	1,552 sqft
Upper Floors Area	470 sqft
Basement Area	294 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood Frame
Foundation Type	Raised
Lot Area	8,189 sqft (0.187 acres)
Lot Dimensions	126 ft deep x 65 ft wide
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	117 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	348 E WATER ST
City	VERSAILLES
State	OH
Zip	45380-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLEYS ADDN WHOLE LOT 101
Legal Subdivision	KELLEYS ADDN
Legal Lot Number	101
Jurisdiction	DARKE OH
Township / Civil Division	WAYNE
Census Block Group	4
Census Block	4012
Census Tract	530100

Owner

348 E Water St is owned and occupied by an individual who bought it in January 2017.

Source: Darke County records, as of February 26, 2026

Owner of Record	Individual Name on File
Mailing Address	348 E WATER ST, VERSAILLES, OH 45380-1540
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
Jul 25, 2023	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jan 25, 2017	Warranty Deed, Transfer · VA Mortgage WRIGHT-PATT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2017 · Amount on File
Deed Sale	Jan 25, 2017 · Amount on File
Deed Document Number	73
Deed Book / Page	504 / 2361
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARKE OH
Property Address	348 E WATER ST, VERSAILLES, OH 45380-1540
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 E WATER ST, VERSAILLES, OH 45380-1540

Mortgage

Document Number	0000563/70
Date	Jul 25, 2023
Book Page	563/70
Instrument	202300003755

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARKE OH
Recording Date	Jan 25, 2017
Property Address	348 E WATER ST, VERSAILLES, OH 45380-1540
Document Number	0504/02361
Book / Page	504 / 02361
Instrument Date	Jan 20, 2017
Instrument	201700000616
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	HALLMARK TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 E WATER ST, VERSAILLES, OH 45380-1540

Mortgage

Document Number	201700000617
Date	Jan 25, 2017
Instrument	201700000617

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 348 E Water St was $2,016 with a homeowner's exemption.

Source: Darke County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Darke County
County Subdivision	Wayne Township
Municipality	Versailles Village
Unified School District	Versailles Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,016.00 Homeowner's exemption	$60,510 Land $6,750 Building $53,760	$172,870 Land $19,280 Building $153,590
2023	$2,020.00 Homeowner's exemption	$60,510 Land $6,750 Building $53,760	$172,870 Land $19,280 Building $153,590

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 348 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · 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	3 in force
Nearby Flood Claims	2 (1989)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1989 · river or lake flooding

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 348 E Water St 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 96% of the US · lower than 81% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VERSAILLES VILLAGE PWS serves 2,687 people · EPA ID OH1901312
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
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
altafiber Network Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wabash Communications.

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