3768 Wayne Trace Rd, Eaton, OH 45320 Property Records

Preble County property record for 3768 Wayne Trace Rd, Eaton, OH 45320

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 3,134 sqft · built 1970
Lot Size	11 acres (481,512 sqft)
Owner	Individual Name on Record
Last Sale	$166 (Jul 2022)
Tax Bill	$6,310 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B02-7224-300-00-001-000`

Property Details

APN / Parcel Number

Primary APN	`B02-7224-300-00-001-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,134 sqft Living Area
1st Floor Area	2,018 sqft
2nd Floor Area	1,116 sqft
Basement Area	1,145 sqft
Unfinished Basement	1,145 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	481,512 sqft (11 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	854 sqft
Shed	1 Shed
Shed Area	224 sqft
Lean-To	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	3768 WAYNE TRACE RD
City	EATON
State	OH
Zip	45320-8412
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	N 1/2 SW
Legal Range	2E
Legal Township	7N
Legal Section	24
Jurisdiction	PREBLE OH
Township / Civil Division	GASPER
Census Block Group	1
Census Block	1017
Census Tract	470102

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	Individual Name on Record
Mailing Address	3768 WAYNE TRACE RD, EATON, OH 45320-8412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Jul 5, 2022	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Jul 22, 2020	Deed of Trust, Mortgage NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2022 · Amount on Record
Deed Sale	Jul 5, 2022 · Amount on Record
Prior Sale	Jul 1, 1980 · Amount on Record
Deed Document Number	20223600
Deed Book / Page	436 / 1399
Prior Transfer Date	Dec 30, 2008
Prior Transfer Doc	280/0834
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	3768 WAYNE TRACE RD, EATON, OH 45320-8412
Transaction Type	Mortgage
Record Updated	Apr 24, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3768 WAYNE TRACE RD, EATON, OH 45320-8412

Mortgage

Document Number	00453/1893
Date	Mar 22, 2024
Book Page	453/1893
Instrument	202400000883

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 10, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 5, 2022
Property Address	3768 WAYNE TRACE RD, EATON, OH 45320-8412
Document Number	00436/1399
Book / Page	436 / 1399
Instrument Date	Jun 13, 2022
Instrument	202200003600
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	INTERRA TITLE LLC, TERRA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
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	3768 WAYNE TRACE RD, EATON, OH 45320-8412

Mortgage

Document Number	202200003601
Date	Jul 5, 2022
Instrument	202200003601

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	3768 WAYNE TRACE RD, EATON, OH 45320-8412
Transaction Type	Mortgage
Record Updated	Aug 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	406/2177
Date	Jul 22, 2020
Book Page	406/2177
Instrument	202000003364

Lender

Name	NATIONAL BANK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Preble County assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Gasper Township
Unified School District	Eaton Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,310.00 (+1.15%) Homeowner's exemption Additional exemption filed	$193,640 (-) Land $28,820 Building $164,820
2024	$6,238.00 (-12.44%) Homeowner's exemption	$193,640 (-) Land $28,820 Building $164,820
2023	$7,124.00 (+78.1%) Homeowner's exemption	$193,640 (+79.95%) Land $28,820 Building $164,820	$553,230 (-) Land $82,330 Building $470,900
2022	$4,000.00 Homeowner's exemption	$107,610 Land $24,760 Building $82,850
2020			$553,230 Land $82,330 Building $470,900

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 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2020 · other causes

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Blue Sky Wireless Fixed Wireless	100 / 50

3768 Wayne Trace Rd, Eaton, OH 45320 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Wayne Trace Rd

Nearby Streets

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