514 E Main St, Eaton, OH 45320 Property Records

Preble County property record for 514 E Main St, Eaton, OH 45320 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,575 sqft · built 1920
Lot Size	0.227 acres (9,901 sqft)
Owner	Individual Name on File
Last Sale	$28,900 (Jan 2011)
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Oct 2011 Line of Credit Feb 2007 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-058-03-004-000`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-058-03-004-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,575 sqft Living Area
1st Floor Area	1,050 sqft
Upper Floors Area	525 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,901 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	273 sqft
Deck Area	6 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	514 E MAIN ST
City	EATON
State	OH
Zip	45320-1961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 512
Legal Lot Number	512
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	5
Census Block	5025
Census Tract	455002

Owner

Source: Preble County records · APN M40-0006-058-03-004-000

Assessment roll updated March 17, 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	Individual Name on File
Mailing Address	519 E WADSWORTH ST, EATON, OH 45320-2359
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2011	Deed of Trust, Mortgage · Line of Credit THE SOMERVILLE NATIONAL BANK
Feb 20, 2007	Intrafamily Transfer, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 05, 2011 · Amount on Record
Deed Sale	Jan 05, 2011 · Amount on Record
Prior Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	201189
Deed Book / Page	302 / 700
Prior Transfer Date	Jan 31, 2007
Prior Transfer Doc	259/0715
Record Updated	Sep 20, 2026

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	514 E MAIN ST, EATON, OH 45320-1961
Transaction Type	Mortgage
Record Updated	Jun 09, 2026
Title Company	SW TITLE, SWD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00310/0207
Date	Oct 26, 2011
Book Page	310/0207
Instrument	201100004908

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PREBLE OH
Recording Date	Feb 20, 2007
Property Address	514 E MAIN ST, EATON, OH 45320-1961
Document Number	00259/0715
Book / Page	259 / 0715
Instrument Date	Jan 31, 2007
Instrument	200700077911
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 E MAIN ST, EATON, OH 45320-1961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 E MAIN ST, EATON, OH 45320-1961
Investor	Possibly a Property Investor

Mortgage

Document Number	200700077912
Date	Feb 20, 2007
Instrument	200700077912

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2037
Prepayment Penalty	24 Months

Interest

Rate Type	Adjustable Rate
Rate	8.99%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	8.99%
Max Rate At Change	11.9%
Index	6-Month LIBOR
Max Rate	14.9%

Tax Assessment & Valuation

Source: Preble County records · Assessment roll updated March 17, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,012.00 (+1.16%)	$55,160 (-) Land $9,870 Building $45,290
2024	$1,989.00 (-14.53%)	$55,160 (-) Land $9,870 Building $45,290
2023	$2,327.00 (+3%)	$55,160 (+34.93%) Land $9,870 Building $45,290	$157,600 (-) Land $28,200 Building $129,400
2022	$1,790.00	$40,880 Land $9,170 Building $31,710
2020			$157,600 Land $28,200 Building $129,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Preble County (39135C), updated May 7, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 463 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Omni Fiber	Fiber	10,000 / 10,000
Brightspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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