5840 Gratis Rd, Camden, OH 45311 Property Records

Preble County property record for 5840 Gratis Rd, Camden, OH 45311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1993
Lot Size	1.61 acres (70,437 sqft)
Owner	Individual Name on File
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C07-4321-100-00-014-000`

Property Details

APN / Parcel Number

Primary APN	`C07-4321-100-00-014-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	70,437 sqft (1.61 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	574 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	5840 GRATIS RD
City	CAMDEN
State	OH
Zip	45311-8819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W MID PT NW
Legal Range	3E
Legal Township	4N
Legal Section	21
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	1
Census Block	1010
Census Tract	480100

Owner

5840 Gratis Rd is owned and occupied by an individual who acquired it in July 2026.

Source: Preble County records, as of August 7, 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	Individual Name on File
Mailing Address	5840 GRATIS RD, CAMDEN, OH 45311-8819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · VA Mortgage PARAMOUNT MORTGAGE
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage LANDMARK TITLE
Mar 10, 2026	Warranty Deed, Transfer VANTAGE LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2026
Deed Sale	Jul 13, 2026
Prior Sale	Mar 10, 2026
Deed Document Number	20263005
Deed Book / Page	481 / 342
Prior Transfer Date	Feb 28, 2013
Prior Transfer Doc	326/1674
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jul 13, 2026
Property Address	5840 GRATIS RD, CAMDEN, OH 45311-8819
Document Number	0000003005
Book / Page	481 / 342
Instrument Date	Jul 8, 2026
Instrument	20263005
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	LANDMARK TITLE

Transaction

Tax	$61,812.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5840 GRATIS RD, CAMDEN, OH 45311-8819

Mortgage

Document Number	0000003006,
Date	Jul 13, 2026
Instrument	20263006

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Recording Date	Apr 28, 2026
Property Address	5840 GRATIS RD, CAMDEN, OH 45311-8819
Document Number	0000001706
Book / Page	478 / 530
Instrument Date	Apr 3, 2026
Instrument	20261706
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LANDMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	2693 JADE POINTE CT, WAYNESVILLE, OH 45068-9684

Mortgage

Document Number	0000001706,
Date	Apr 28, 2026
Book Page	478/530
Instrument	20261706

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Mar 10, 2026
Property Address	5840 GRATIS RD, CAMDEN, OH 45311-8819
Document Number	00476/2027
Book / Page	476 / 2027
Instrument Date	Feb 20, 2026
Instrument	202600001016
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	VANTAGE LAND TITLE

Transaction

Amount	Amount on Record
Tax	$110.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2693 JADE POINTE CT, WAYNESVILLE, OH 45068-9684

Tax Assessment & Valuation

The 2025 property tax bill for 5840 Gratis Rd was $1,676 with a homeowner's exemption, up 7.4% from the year before.

Source: Preble County assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Preble County
County Subdivision	Gratis Township
Unified School District	Preble Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,676.00 (+7.37%) Homeowner's exemption	$45,750 (-) Land $8,510 Building $37,240
2024	$1,561.00 (+0.45%) Homeowner's exemption	$45,750 (-) Land $8,510 Building $37,240
2023	$1,554.00 (+4.09%) Homeowner's exemption	$45,750 (+10.11%) Land $8,510 Building $37,240	$130,700 Land $24,300 Building $106,400
2022	$1,493.00 Homeowner's exemption	$41,550 Land $8,470 Building $33,080
2020			$130,700 Land $24,300 Building $106,400

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

Flood

FEMA maps place 5840 Gratis Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 5840 Gratis Rd 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SOUTHWEST REGIONAL WATER DISTRICT public/private · serves 42,856 people · EPA ID OH0903912
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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