403 Judy Ln, Gratis, OH 45330 Property Records

Preble County property record for 403 Judy Ln, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1998
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Tax Bill	$1,612 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-010-00-033-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-010-00-033-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	184 ft deep x 100 ft wide
Terrain	Rolling
Deck Area	176 sqft
Patio Area	176 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 JUDY LN
City	GRATIS
State	OH
Zip	45330-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 234 JOHNSONS SUBD
Legal Subdivision	JOHNSONS SUBD
Legal Lot Number	234
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	3
Census Block	3006
Census Tract	480100

Owner

Source: Preble County assessment roll, 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 File
Mailing Address	PO BOX 215, GRATIS, OH 45330-0215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2024	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Oct 6, 2023	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jul 12, 2023	Fiduciary Deed, Transfer · USDA Mortgage DEVELOPERS MORTGAGE CO
Jul 12, 2023	Fiduciary Deed, Transfer · Conventional Mortgage DEVELOPERS MORTGAGE CO
Aug 27, 2015	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 12, 2023
Deed Sale	Jul 12, 2023
Deed Document Number	20232646
Deed Book / Page	447 / 336
Prior Transfer Date	Aug 27, 2015
Prior Transfer Doc	00353/0570
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	403 JUDY LN, GRATIS, OH 45330-4543
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000458/692
Date	Aug 19, 2024
Book Page	458/692
Instrument	202400002991

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2049

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	403 JUDY LN, GRATIS, OH 45330-4543
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00449/1831
Date	Oct 6, 2023
Book Page	449/1831
Instrument	202300003965

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 25, 2048

July 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 12, 2023
Property Address	403 JUDY LN, GRATIS, OH 45330
Document Number	000447/336
Book / Page	447 / 336
Instrument Date	Jun 28, 2023
Instrument	202300002646
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002647
Date	Jul 12, 2023
Instrument	202300002647

Lender

Name	DEVELOPERS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

July 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 12, 2023
Property Address	403 JUDY LN, GRATIS, OH 45330-4543
Document Number	000447/336
Book / Page	447 / 336
Instrument Date	Jun 28, 2023
Instrument	202300002646
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002647
Date	Jul 12, 2023
Instrument	202300002647

Lender

Name	DEVELOPERS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

August 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PREBLE OH
Recording Date	Aug 27, 2015
Property Address	403 JUDY LN, GRATIS, OH 45330-4543
Document Number	00353/0570
Book / Page	353 / 0570
Instrument Date	Aug 27, 2015
Instrument	201500003791
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 JUDY LN, GRATIS, OH 45330-4543

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Gratis Township
Municipality	Gratis Village
Unified School District	Preble Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,612.00 (-1.23%) Homeowner's exemption	$42,500 (-) Land $6,690 Building $35,810
2024	$1,632.00 (+9.02%) Homeowner's exemption	$42,500 (-) Land $6,690 Building $35,810
2023	$1,497.00 (+10.97%) Homeowner's exemption	$42,500 (+25.7%) Land $6,690 Building $35,810	$121,400 (-) Land $19,100 Building $102,300
2022	$1,349.00	$33,810 Land $4,620 Building $29,190
2020			$121,400 Land $19,100 Building $102,300

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

FEMA Flood Zone	Zone X minimal risk
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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	GRATIS VILLAGE PWS serves 990 people · EPA ID OH6800612
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (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	2 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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