495 E Main St, Xenia, OH 45385 Property Records

Greene County property record for 495 E Main St, Xenia, OH 45385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1994
Lot Size	0.198 acres (8,662 sqft)
Owner	Company Name on Record
Last Sale	$89,000 (Jul 2021)
Tax Bill	$1,560 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`M40-0002-0012.0-0132.00`

Property Details

APN / Parcel Number

Primary APN	`M40-0002-0012.0-0132.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,176 sqft Living Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,662 sqft (0.198 acres)
Lot Dimensions	165 ft deep x 52 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	495 E MAIN ST
City	XENIA
State	OH
Zip	45385-3246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	XENIA 52X165 N 1/2 LOT 11 O 495 E MAIN ST
Legal Subdivision	XENIA
Legal Lot Number	11
Jurisdiction	GREENE OH
Township / Civil Division	XENIA
Census Block Group	5
Census Block	5028
Census Tract	240600

Owner

Source: Greene County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	171 E KREPPS RD, XENIA, OH 45385-9778
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON
Jul 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	Jan 28, 2005 · Amount on Record
Deed Document Number	202115858
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	495 E MAIN ST, XENIA, OH 45385-3246
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 E KREPPS RD, XENIA, OH 45385-9778

Mortgage

Document Number	2021019277
Date	Aug 5, 2021
Instrument	2021019277

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	SPRINGFIELD, OH 45504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2031

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE OH
Recording Date	Jul 1, 2021
Property Address	495 E MAIN ST, XENIA, OH 45385-3246
Document Number	2021015858
Map Reference	MB 1 PG 199-201
Instrument Date	Jun 23, 2021
Instrument	2021015858
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

Amount	Amount Recorded
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

Tax Assessment & Valuation

Source: Greene County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Greene County
Municipality	Xenia City
Unified School District	Xenia Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,560.00 (-4.47%)	$38,180 (-) Land $2,260 Building $35,920
2024	$1,633.00 (-1.8%)	$38,180 (-) Land $2,260 Building $35,920
2023	$1,663.00 (+20.42%)	$38,180 (+41.67%) Land $2,260 Building $35,920	$109,090 (+41.69%) Land $6,470 Building $102,620
2022	$1,381.00	$26,950 Land $2,060 Building $24,890
2020			$76,990 Land $5,880 Building $71,110

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 28, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1989)
Most Recent Claim	May 1989 · Severe Storms & Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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	XENIA CITY PWS serves 29,000 people · EPA ID OH2902812
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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