525 E Main St, Eaton, OH 45320 Property Records

Preble County property record for 525 E Main St, Eaton, OH 45320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1945
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Mar 2012)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Mar 2007 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`M40-0006-065-01-008-000`

Property Details

APN / Parcel Number

Primary APN	`M40-0006-065-01-008-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,024 sqft Living Area
1st Floor Area	2,024 sqft
Basement Area	2,024 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	198 ft deep x 99 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	450 sqft
Patio Area	132 sqft
Shed	1 Shed
Shed Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	525 E MAIN ST
City	EATON
State	OH
Zip	45320-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 603 & 604 TRACT 1
Legal Subdivision	CONSECUTIVE NUMBERS
Legal Tract	1
Legal Block	1
Legal Lot Number	603-604 604
Jurisdiction	PREBLE OH
Township / Civil Division	EATON
Census Block Group	1
Census Block	1003
Census Tract	455001

Owner

Source: Preble County records, as of March 16, 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 Record
Mailing Address	525 E MAIN ST, EATON, OH 45320-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Mar 13, 2007	Deed of Trust, Mortgage HSBC MORTGAGE CORPORATION USA
Jun 23, 2005	Deed of Trust, Mortgage AMERICAS WHOLESALE LENDER
Jun 23, 2005	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE BANK NA
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Feb 17, 2011	Special Warranty Deed, Transfer · Line of Credit FIRST MERCHANTS BANK NA
Jul 20, 2006	Intrafamily Transfer, Transfer · ARM THE CIT GROUP-CONSUMER FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2012 · Amount on Record
Deed Sale	Mar 22, 2012 · Amount on Record
Prior Sale	Feb 17, 2011 · Amount on Record
Deed Document Number	315
Deed Book / Page	314 / 1447
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 E MAIN ST, EATON, OH 45320-1901

Mortgage

Document Number	00408/1419
Date	Sep 4, 2020
Book Page	408/1419
Instrument	202000004231

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FEDERATED LAND TITLE AGENCY LLC, FEDERATED LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00260/0318
Date	Mar 13, 2007
Book Page	260/0318
Instrument	200700078446

Lender

Name	HSBC MORTGAGE CORPORATION USA
Type	Mortgage Company
Address	DEPEW, NY 14043

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2037

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE & CLOSING SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00233/2161
Date	Jun 23, 2005
Book Page	233/2161
Instrument	200500062592

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	PO BOX 660694, DALLAS, TX 75266

Agreement

Amount	Amount Recorded
Term	359 Months
Due	May 1, 2035

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE & CLOSING SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00233/2178
Date	Jun 23, 2005
Book Page	233/2178
Instrument	200500062593

Lender

Name	COUNTRYWIDE BANK NA
Type	Bank
Address	1199 N FAIRFAX ST STE 500, ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	1 Months
Due	Jul 22, 2005

Interest

Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 E MAIN ST, EATON, OH 45320-1901

Mortgage

Document Number	408/1419
Date	Sep 4, 2020
Book Page	408/1419
Instrument	202000004231

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2011: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Feb 17, 2011
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Document Number	303/1259
Book / Page	303 / 1259
Instrument Date	Nov 12, 2010
Instrument	201100000803
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ACCUTITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6022 CEDAR SPRINGS RD, NEW PARIS, OH 45347-8019

Mortgage

Document Number	00303/1262
Date	Feb 17, 2011
Book Page	303/1262
Instrument	201100000804

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank
Address	WINCHESTER, IN 47394

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PREBLE OH
Recording Date	Jul 20, 2006
Property Address	525 E MAIN ST, EATON, OH 45320-1901
Document Number	00251/0617
Book / Page	251 / 0617
Instrument Date	Jul 13, 2006
Instrument	200600072876
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ROYAL LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 E MAIN ST, EATON, OH 45320-1901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 E MAIN ST, EATON, OH 45320-1901

Mortgage

Document Number	200600072877
Date	Jul 20, 2006
Instrument	200600072877

Lender

Name	THE CIT GROUP-CONSUMER FINANCE INC
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.6%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	10%
Index	6-Month LIBOR
Max Rate	13.6%

Mortgage

Document Number	00251/0623
Date	Jul 20, 2006
Book Page	251/0623
Instrument	200600072878

Lender

Name	THE CIT GROUP-CONSUMER FINANCE INC
Type	Subprime Lender
Address	CINCINNATI, OH 45236

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2021

Tax Assessment & Valuation

Source: Preble County assessment roll, as of August 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,678.00 (+1.17%) Homeowner's exemption	$76,230 (-) Land $19,530 Building $56,700
2024	$2,647.00 (-14.64%) Homeowner's exemption	$76,230 (-) Land $19,530 Building $56,700
2023	$3,101.00 (+33.03%) Homeowner's exemption	$76,230 (+37.92%) Land $19,530 Building $56,700	$217,800 (-) Land $55,800 Building $162,000
2022	$2,331.00 Homeowner's exemption	$55,270 Land $18,170 Building $37,100
2020			$217,800 Land $55,800 Building $162,000

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

Source: FEMA National Flood Hazard Layer, effective May 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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

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 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	EATON PUBLIC WATER SYSTEM serves 8,400 people · EPA ID OH6801612
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	7 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	None 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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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