400 E Keller St, Bradford, OH 45308 Property Records

Miami County property record for 400 E Keller St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,710 sqft · built 1987
Lot Size	0.333 acres (14,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Oct 2023)
Tax Bill	$2,749 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H18-006770`

Property Details

APN / Parcel Number

Primary APN	`H18-006770`
Alternative APNs	`090422.2-01-018-00` `H18BF050 00300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	3,420 sqft
Basement Area	1,710 sqft
Unfinished Basement	1,710 sqft
Family Room	Family Room

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	14,505 sqft (0.333 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	400 E KELLER ST
City	BRADFORD
State	OH
Zip	45308-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL-561 100'
Legal Subdivision	VILLAGE OF BRADFORD
Legal Lot Number	561
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	400 E KELLER ST, BRADFORD, OH 45308-1165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 25, 2023	Fiduciary Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Nov 2, 2022	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2023 · Amount on Record
Deed Sale	Oct 25, 2023 · Amount on Record
Prior Sale	Mar 1, 1987 · Amount on Record
Deed Document Number	202311840
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	400 E KELLER ST, BRADFORD, OH 45308-1165
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E KELLER ST, BRADFORD, OH 45308-1165

Mortgage

Document Number	0000013971
Date	Dec 3, 2025
Instrument	2025OR-13971

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

October 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 25, 2023
Property Address	400 E KELLER ST, BRADFORD, OH 45308-1165
Document Number	0000011840
Map Reference	MB 12 PG 130
Instrument Date	Oct 20, 2023
Instrument	2023OR-11840
Transaction Type	Transfer
Record Updated	Nov 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Joint Tenants with Right of Survivorship
Address	400 E KELLER ST, BRADFORD, OH 45308-1165

Mortgage

Document Number	0000011841
Date	Oct 25, 2023
Instrument	2023OR-11841

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	400 E KELLER ST, BRADFORD, OH 45308-1165
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	BROKERS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015875
Date	Nov 2, 2022
Instrument	2022OR-15875

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

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	$2,749.00 (+14.02%) Homeowner's exemption	$86,840 (+39.3%) Land $9,240 Building $77,600	$248,100 (+39.3%) Land $26,400 Building $221,700
2024	$2,411.00 (+1.82%) Homeowner's exemption	$62,340 (-) Land $10,010 Building $52,330
2023	$2,368.00 (-4.75%) Homeowner's exemption	$62,340 (-) Land $10,010 Building $52,330	$178,100 (-) Land $28,600 Building $149,500
2022	$2,486.00 Homeowner's exemption	$62,340 Land $10,010 Building $52,330	$178,100 Land $28,600 Building $149,500

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 March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 98% of the US · lower than 90% 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	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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: T-Mobile.

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