500 E James St, Bradford, OH 45308 Property Records

Miami County property record for 500 E James St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,592 sqft · built 1996
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H18-004290`

Property Details

APN / Parcel Number

Primary APN	`H18-004290`
Alternative APNs	`090422.3-24-007-00` `H18BF029 00700`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,592 sqft Living Area
1st Floor Area	5,184 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	500 E JAMES ST
City	BRADFORD
State	OH
Zip	45308-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 442 50
Legal Subdivision	GEORGE SPITLERS ADDITION
Legal Lot Number	442
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2013
Census Tract	320100

Owner

Source: Miami County records, as of July 28, 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	500 E JAMES ST, BRADFORD, OH 45308-1405
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit PARK NATIONAL BANK
Nov 18, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 1990
Deed Sale	Jan 1, 1990
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	500 E JAMES ST, BRADFORD, OH 45308-1405
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000347
Date	Jan 11, 2024
Instrument	2024OR-00347

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	50 N 3RD ST, NEWARK, OH 43055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2034
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	13.8%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	500 E JAMES ST, BRADFORD, OH 45308-1405
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 E JAMES ST, BRADFORD, OH 45308-1405

Mortgage

Document Number	0000012231
Date	Nov 6, 2023
Instrument	2023OR-12231

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	47 Months
Due	Oct 30, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 18, 2022
Property Address	500 E JAMES ST, BRADFORD, OH 45308-1405
Document Number	0000016549
Instrument Date	Nov 3, 2022
Instrument	2022OR-16549
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 E JAMES ST, BRADFORD, OH 45308-1405

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,398.00 (+23.83%) Homeowner's exemption	$123,070 (+52.94%) Land $4,660 Building $118,410	$351,600 (+52.94%) Land $13,300 Building $338,300
2024	$2,744.00 (+0.92%) Homeowner's exemption	$80,470 (-) Land $5,040 Building $75,430
2023	$2,719.00 (-3.31%) Homeowner's exemption	$80,470 (+1.86%) Land $5,040 Building $75,430	$229,900 (+1.86%) Land $14,400 Building $215,500
2022	$2,812.00 Homeowner's exemption	$79,000 Land $5,040 Building $73,960	$225,700 Land $14,400 Building $211,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

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

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

Wildfire Risk	Not rated no burnable land within 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	BRADFORD VILLAGE PWS serves 2,000 people · EPA ID OH1900212
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, 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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