520 E Water St, Versailles, OH 45380 Property Records

Darke County property record for 520 E Water St, Versailles, OH 45380

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1900
Lot Size	0.187 acres (8,189 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,305 (2025)
Deeds & Mortgages	Aug 2011 Mortgage Aug 2014 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T76-2-410-19-01-03-11000`

Property Details

APN / Parcel Number

Primary APN	`T76-2-410-19-01-03-11000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
1st Floor Area	1,004 sqft
Upper Floors Area	620 sqft
Basement Area	388 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Combination
Foundation Type	Raised
Lot Area	8,189 sqft (0.187 acres)
Lot Dimensions	126 ft deep x 65 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	48 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Canopy	308 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	520 E WATER ST
City	VERSAILLES
State	OH
Zip	45380-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAMSONS 2ND ADDN WHOLE LOT 412
Legal Subdivision	WILLIAMSONS 2ND ADDN
Legal Lot Number	412
Jurisdiction	DARKE OH
Township / Civil Division	WAYNE
Census Block Group	4
Census Block	4011
Census Tract	530100

Owner

520 E Water St is owned and occupied by two individuals who acquired it in April 2000.

Source: Darke County records, as of March 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 E WATER ST, VERSAILLES, OH 45380-1544
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
Aug 18, 2011	Deed of Trust, Mortgage · Conventional Mortgage VERSAILLES SAVINGS & LOAN COMPANY
Aug 28, 2014	Deed of Trust, Mortgage · Conventional Mortgage VERSAILLES SAVINGS & LOAN COMPANY
Oct 14, 2015	Deed of Trust, Mortgage · Conventional Mortgage THE VERSAILLES SAVINGS AND LOAN CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2000
Deed Sale	Apr 14, 2000
Deed Document Number	301
Prior Transfer Date	Nov 30, 1999
Record Updated	Jun 8, 2026

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARKE OH
Property Address	520 E WATER ST, VERSAILLES, OH 45380-1544
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0444/02346
Date	Aug 18, 2011
Book Page	444/02346
Instrument	201100004980

Lender

Name	VERSAILLES SAVINGS & LOAN COMPANY
Address	VERSAILLES, OH 45380

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	79 Months
Due	Mar 17, 2018

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARKE OH
Property Address	520 E WATER ST, VERSAILLES, OH 45380-1544
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0480/00208
Date	Aug 28, 2014
Book Page	480/00208
Instrument	201400005127

Lender

Name	VERSAILLES SAVINGS & LOAN COMPANY
Address	VERSAILLES, OH 45380

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 27, 2019

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARKE OH
Property Address	520 E WATER ST, VERSAILLES, OH 45380-1544
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0491/01205
Date	Oct 14, 2015
Book Page	491/01205
Instrument	201500006014

Lender

Name	THE VERSAILLES SAVINGS AND LOAN CO
Type	Bank
Address	VERSAILLES, OH 45380

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 8, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 520 E Water St was $1,305 with a homeowner's exemption.

Source: Darke County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Darke County
County Subdivision	Wayne Township
Municipality	Versailles Village
Unified School District	Versailles Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,305.00 Homeowner's exemption	$39,150 Land $6,750 Building $32,400	$111,850 Land $19,280 Building $92,570
2023	$1,308.00 (+28.74%) Homeowner's exemption	$39,150 (+31.16%) Land $6,750 Building $32,400	$111,850 Land $19,280 Building $92,570
2022	$1,016.00 Homeowner's exemption	$29,850 Land $5,620 Building $24,230
2020			$85,310 Land $16,070 Building $69,240

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

Flood

FEMA maps place 520 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1989)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1989 · river or lake 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

Wildfire risk around 520 E Water St 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 96% of the US · lower than 81% 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	VERSAILLES VILLAGE PWS serves 2,687 people · EPA ID OH1901312
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
altafiber Network Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wabash Communications.

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