521 E Keller St, Bradford, OH 45308 Property Records

Miami County property record for 521 E Keller St, Bradford, OH 45308

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,596 sqft · built 1996
Lot Size	0.326 acres (14,201 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2023)
Tax Bill	$2,200 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H18-006794`

Property Details

APN / Parcel Number

Primary APN	`H18-006794`
Alternative APN	`090422.2-11-024-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	3,192 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	14,201 sqft (0.326 acres)
Lot Dimensions	150 ft deep x 95 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	521 E KELLER ST
City	BRADFORD
State	OH
Zip	45308-1171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 572 GREEN TREE DEV PH #1
Legal Subdivision	GREEN TREE DEV PH #1
Legal Lot Number	572
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2023
Census Tract	320100

Owner

521 E Keller St is owned and occupied by two individuals who bought it in July 2023.

Source: Miami County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	521 E KELLER ST, BRADFORD, OH 45308-1171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 13, 2018	Warranty Deed, Transfer · FHA Mortgage WRIGHTPATT CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Jun 13, 2018 · Amount on File
Deed Document Number	20237788
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Apr 6, 2026
Property Address	521 E KELLER ST, BRADFORD, OH 45308-1171
Document Number	0000003991
Instrument Date	Apr 1, 2026
Instrument	20263991
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	521 E KELLER ST, BRADFORD, OH 45308-1171

Mortgage

Document Number	0000003991,
Date	Apr 6, 2026
Instrument	20263991

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 20, 2023
Property Address	521 E KELLER ST, BRADFORD, OH 45308-1171
Document Number	0000007788
Map Reference	MB 16 PG 133
Instrument Date	Jul 12, 2023
Instrument	2023OR-07788
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	521 E KELLER ST, BRADFORD, OH 45308-1171

Mortgage

Document Number	0000007789
Date	Jul 20, 2023
Instrument	2023OR-07789

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 13, 2018
Property Address	521 E KELLER ST, BRADFORD, OH 45308-1171
Document Number	0000007185
Instrument Date	Jun 12, 2018
Instrument	7185
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	521 E KELLER ST BRADFORD OH 453081171, BRADFORD, OH 45308-1171

Mortgage

Document Number	7186
Date	Jun 13, 2018
Instrument	7186

Lender

Name	WRIGHTPATT CU INC
Address	BEAVERCREEK, OH 45431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 521 E Keller St was $2,200 with a homeowner's exemption, up 24.9% from the year before.

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	$2,200.00 (+24.86%) Homeowner's exemption	$69,480 (+52.44%) Land $8,860 Building $60,620	$198,500 Land $25,300 Building $173,200
2024	$1,762.00 (+1.79%) Homeowner's exemption	$45,580 (-) Land $7,390 Building $38,190
2023	$1,731.00 (-4.79%) Homeowner's exemption	$45,580 (-) Land $7,390 Building $38,190	$130,200 (-) Land $21,100 Building $109,100
2022	$1,818.00 Homeowner's exemption	$45,580 Land $7,390 Building $38,190	$130,200 Land $21,100 Building $109,100

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 521 E Keller St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 521 E Keller 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 98% of the US · lower than 90% 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	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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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