Preble County property record for 431 Patty Ln, Eaton, OH 45320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,186 sqft · built 1980 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Trust Name on File |
| Last Sale | $105,000 (Apr 2014) |
| Tax Bill | $1,671 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Sep 2016 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M40-0006-011-02-012-000 |
| Primary APN | M40-0006-011-02-012-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,186 sqft Living Area |
| 1st Floor Area | 1,186 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 240 sqft |
| Patio Area | 112 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Canopy | 112 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 431 PATTY LN |
|---|---|
| City | EATON |
| State | OH |
| Zip | 45320-1262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2478 JAMESWAY SUBD SEC 5 |
| Legal Subdivision | JAMESWAY SUBD SEC 5 |
| Legal Lot Number | 2478 |
| Jurisdiction | PREBLE OH |
| Township / Civil Division | EATON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 455002 |
431 Patty Ln is owner-occupied and held in a trust since June 2022.
Source: Preble County records, as of March 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 12, 2016 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 19, 2022 | Intrafamily Transfer, Transfer |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2014 · Amount on File |
| Deed Sale | Apr 17, 2014 · Amount on File |
| Prior Sale | Oct 2, 2009 · Amount on File |
| Deed Document Number | 20141519 |
| Deed Book / Page | 340 / 295 |
| Last Transfer Date | Jun 8, 2022 |
| Transfer Doc | 000437/134 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRSO INC |
| Name | Verified Name |
|---|
| Document Number | 00383/0201 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 383/0201 |
| Instrument | 201800002583 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 00363/1986 |
|---|---|
| Date | Sep 12, 2016 |
| Book Page | 363/1986 |
| Instrument | 201600003769 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Feb 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 00415/2139 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 415/2139 |
| Instrument | 202100001226 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Feb 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Jul 19, 2022 |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Document Number | 000437/134 |
| Book / Page | 437 / 134 |
| Map Reference | MB 10 PG 211 |
| Instrument Date | Jun 8, 2022 |
| Instrument | 202200003845 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 415/2139 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 415/2139 |
| Instrument | 202100001226 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 431 PATTY LN, EATON, OH 45320-1262 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | 383/0201 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 383/0201 |
| Instrument | 201800002583 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2038 |
The 2025 property tax bill for 431 Patty Ln was $1,671 with a homeowner's exemption, up 1.3% from the year before.
Source: Preble County assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Preble County |
| Municipality | Eaton City |
| Unified School District | Eaton Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,671.00 (+1.27%) Homeowner's exemption | $46,410 (-) Land $8,610 Building $37,800 | |
| 2024 | $1,650.00 (-14.33%) Homeowner's exemption | $46,410 (-) Land $8,610 Building $37,800 | |
| 2023 | $1,926.00 (+13.9%) Homeowner's exemption | $46,410 (+17.85%) Land $8,610 Building $37,800 | $132,600 Land $24,600 Building $108,000 |
| 2022 | $1,691.00 Homeowner's exemption | $39,380 Land $5,880 Building $33,500 | |
| 2020 | $132,600 Land $24,600 Building $108,000 |
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.
FEMA maps place 431 Patty Ln 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 May 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Nearby Flood Policies | 1 in force |
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 risk around 431 Patty 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EATON PUBLIC WATER SYSTEM serves 8,400 people · EPA ID OH6801612 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | 7 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 427 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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