497 E Winnerline Rd, Eaton, OH 45320 Property Records

Preble County property record for 497 E Winnerline Rd, Eaton, OH 45320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,244 sqft · built 1982
Lot Size	7 acres (304,920 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Aug 2007)
Tax Bill	$3,085 (2025)
Deeds & Mortgages	Jun 2006 Mortgage May 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L38-8202-000-00-005-000`

Property Details

APN / Parcel Number

Primary APN	`L38-8202-000-00-005-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,244 sqft Living Area
1st Floor Area	1,252 sqft
2nd Floor Area	992 sqft
Basement Area	224 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	304,920 sqft (7 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	156 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	497 E WINNERLINE RD
City	EATON
State	OH
Zip	45320-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW PT SE
Jurisdiction	PREBLE OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2002
Census Tract	450100

Owner

497 E Winnerline Rd is owned and occupied by an individual who bought it in August 2007.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	497 E WINNERLINE RD, EATON, OH 45320-9780
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

Date	Document
Jun 14, 2006	Deed of Trust, Mortgage NATIONAL CITY MORTGAGE
May 8, 2009	Deed of Trust, Mortgage THE SOMERVILLE NATIONAL BANK
May 1, 2008	Deed of Trust, Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2007 · Amount on File
Deed Sale	Aug 15, 2007 · Amount on File
Prior Sale	May 24, 2005 · Amount on File
Deed Document Number	1278
Deed Book / Page	266 / 0767
Record Updated	Sep 20, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	497 E WINNERLINE RD, EATON, OH 45320-9780
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGENCY L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00249/1919
Date	Jun 14, 2006
Book Page	249/1919
Instrument	200600071969

Lender

Name	NATIONAL CITY MORTGAGE
Type	Mortgage Company
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2036

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	497 E WINNERLINE RD, EATON, OH 45320-9780
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00284/0943
Date	May 8, 2009
Book Page	284/0943
Instrument	200900094766

Lender

Name	THE SOMERVILLE NATIONAL BANK
Type	Bank
Address	EATON, OH 45320

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2039

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	497 E WINNERLINE RD, EATON, OH 45320-9780
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00274/0836
Date	May 1, 2008
Book Page	274/0836
Instrument	200800087873

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 497 E Winnerline Rd was $3,085 with a homeowner's exemption, down 1.5% 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	Washington Township
Unified School District	Eaton Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,085.00 (-1.47%) Homeowner's exemption	$97,410 (-) Land $23,140 Building $74,270
2024	$3,131.00 (+0.55%) Homeowner's exemption	$97,410 (-) Land $23,140 Building $74,270
2023	$3,114.00 (+21.21%) Homeowner's exemption	$97,410 (+36.35%) Land $23,140 Building $74,270	$278,300 Land $66,100 Building $212,200
2022	$2,569.00 Homeowner's exemption	$71,440 Land $19,500 Building $51,940
2020			$278,300 Land $66,100 Building $212,200

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 497 E Winnerline Rd in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 497 E Winnerline Rd is low, with less than 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 99.1% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3
BridgeMAXX Suncoast Broadband Fixed Wireless	10 / 1

May also be available: Blue Sky Wireless, Brightspeed.

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