409 Judy Ln, Gratis, OH 45330 Property Records

Preble County property record for 409 Judy Ln, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1972
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$60,600 (Oct 2011)
Tax Bill	$1,284 (2025)
Deeds & Mortgages	Oct 2011 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-010-00-030-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-010-00-030-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	208 ft deep x 97 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	409 JUDY LN
City	GRATIS
State	OH
Zip	45330-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 237 JOHNSONS SUBD
Legal Subdivision	JOHNSONS SUBD
Legal Lot Number	237
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	3
Census Block	3006
Census Tract	480100

Owner

409 Judy Ln is owned and occupied by an individual who bought it in October 2011.

Source: Preble County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	409 JUDY LN, GRATIS, OH 45330-4543
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2011 · Amount on File
Deed Sale	Oct 3, 2011 · Amount on File
Deed Document Number	1227
Deed Book / Page	309 / 0902
Record Updated	Jun 8, 2026

October 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Oct 3, 2011
Property Address	409 JUDY LN, GRATIS, OH 45330-4543
Document Number	00309/0902
Book / Page	309 / 0902
Instrument Date	Sep 29, 2011
Instrument	201100004473
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	E-PERFORMANCE TITLE, PERFORMANCE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 JUDY LN, GRATIS, OH 45330-4543

Mortgage

Document Number	201100004474
Date	Oct 3, 2011
Instrument	201100004474

Lender

Name	THE SOMERVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 409 Judy Ln was $1,284 with a homeowner's exemption, down 1.2% from the year before.

Source: Preble County assessment roll, as of August 1, 2025

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	$1,284.00 (-1.23%) Homeowner's exemption	$33,290 (-) Land $7,070 Building $26,220
2024	$1,300.00 (+8.88%) Homeowner's exemption	$33,290 (-) Land $7,070 Building $26,220
2023	$1,194.00 (+10.05%) Homeowner's exemption	$33,290 (+15.95%) Land $7,070 Building $26,220	$95,100 Land $20,200 Building $74,900
2022	$1,085.00 Homeowner's exemption	$28,710 Land $4,870 Building $23,840
2020			$95,100 Land $20,200 Building $74,900

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 409 Judy Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 409 Judy Ln is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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