51 E Cross St, Laura, OH 45337 Property Records

Miami County property record for 51 E Cross St, Laura, OH 45337

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 1955
Lot Size	0.735 acres (32,017 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jan 2020)
Tax Bill	$2,041 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L38-001340`

Property Details

APN / Parcel Number

Primary APN	`L38-001340`
Alternative APN	`L38PD001 00600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	32,017 sqft (0.735 acres)
Lot Dimensions	130 ft deep x 200 ft wide
Garage Type	Mixed
Garage Area	1,412 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	84 sqft
Patio Area	252 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	L38PD001 00600
Street Address	51 E CROSS ST
City	LAURA
State	OH
Zip	45337-8790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OUT LOT 4 200'
Legal Lot Number	4
Jurisdiction	MIAMI OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1044
Census Tract	340100

Owner

Source: Miami County records · APN L38-001340

Assessment roll updated January 1, 2025 · Last verified March 2026

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

Owner of Record	Individual Name on File
Mailing Address	51 E CROSS ST, LAURA, OH 45337-8790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage THRIVE MTG LLC
Jan 16, 2020	Warranty Deed, Transfer · USDA Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Jun 02, 2010
Deed Document Number	102
Record Updated	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	51 E CROSS ST, LAURA, OH 45337-8790
Document Number	0000001201
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 19, 2020
Title Company	WAVE TITLE AGENCY INC, WAVE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 E CROSS ST LAURA OH 453378790, LAURA, OH 45337-8790

Mortgage

Document Number	0000001201
Date	Jan 28, 2020
Instrument	1201

Lender

Name	THRIVE MTG LLC
Address	GEORGETOWN, TX 78633

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 16, 2020
Property Address	51 E CROSS ST, LAURA, OH 45337-8790
Document Number	0000000707
Map Reference	MB 299 PG 103
Instrument Date	Jan 15, 2020
Instrument	2020OR-00707
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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
Address	51 E CROSS ST, POTSDM, OH 45337-8790
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000708
Date	Jan 16, 2020
Instrument	2020OR-00708

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Union Township
Municipality	Potsdam Village
Unified School District	Milton-Union 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	$2,041.00 (+6.36%) Homeowner's exemption	$66,090 (+22.68%) Land $6,690 Building $59,400	$188,800 (+22.68%) Land $19,100 Building $169,700
2024	$1,919.00 (+2.4%) Homeowner's exemption	$53,870 (-) Land $7,280 Building $46,590
2023	$1,874.00 (-3.45%) Homeowner's exemption	$53,870 (-) Land $7,280 Building $46,590	$153,900 (-) Land $20,800 Building $133,100
2022	$1,941.00 Homeowner's exemption	$53,870 Land $7,280 Building $46,590	$153,900 Land $20,800 Building $133,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), as of March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 94 locations within half a mile of this property.

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