431 School St, Bradford, OH 45308 Property Records

Darke County property record for 431 School St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,989 sqft · built 1905
Lot Size	0.151 acres (6,599 sqft)
Owner	2 Individual Names on File
Last Sale	$81,900 (Nov 2005)
Tax Bill	$1,194 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
APN	`A04-2-409-21-02-01-10700`

Property Details

APN / Parcel Number

Primary APN	`A04-2-409-21-02-01-10700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,989 sqft Living Area
1st Floor Area	2,658 sqft
Upper Floors Area	660 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,599 sqft (0.151 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Area	198 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	208 sqft
Canopy	162 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	431 SCHOOL ST
City	BRADFORD
State	OH
Zip	45308-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NILL & MYERS ADDN WHOLE LOT 146
Legal Subdivision	NILL & MYERS ADDN
Legal Lot Number	146
Jurisdiction	DARKE OH
Township / Civil Division	ADAMS
Census Block Group	3
Census Block	3020
Census Tract	540100

Owner

Source: Darke County records · APN A04-2-409-21-02-01-10700

Assessment roll updated February 27, 2026 · Last verified April 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 File
Mailing Address	431 SCHOOL ST, BRADFORD, OH 45308-1027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 29, 2005 · Amount on Record
Deed Sale	Nov 29, 2005 · Amount on Record
Prior Sale	Apr 07, 2005 · Amount on Record
Deed Document Number	200510798
Deed Book / Page	378 / 1667
Prior Transfer Date	Feb 09, 2005
Prior Transfer Doc	0363/00183
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARKE OH
Property Address	431 SCHOOL ST, BRADFORD, OH 45308-1027
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	541/1558
Date	Aug 27, 2020
Book Page	541/1558
Instrument	202000005536

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2035

Tax Assessment & Valuation

Source: Darke County records · Assessment roll updated February 27, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Darke County
County Subdivision	Adams Township
Municipality	Bradford Village
Unified School District	Bradford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,194.00 (-17.14%) Homeowner's exemption	$32,760 (-) Land $2,210 Building $30,550	$93,580 (-) Land $6,300 Building $87,280
2023	$1,441.00 Homeowner's exemption	$32,760 Land $2,210 Building $30,550	$93,580 Land $6,300 Building $87,280

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 18, 2011 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Benton Ridge Telephone Company.

Based on FCC filings for 283 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BRADFORD VILLAGE PWS serves 2,000 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.