Preble County property record for 6492 Gratis Rd, Camden, OH 45311
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,530 sqft · built 1971 |
| Lot Size | 2.32 acres (101,364 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $417 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Apr 2008 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C07-4321-200-00-004-000 |
| Primary APN | C07-4321-200-00-004-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| 1st Floor Area | 1,530 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 101,364 sqft (2.32 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 6492 GRATIS RD |
|---|---|
| City | CAMDEN |
| State | OH |
| Zip | 45311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N MID PT NE |
| Legal Range | 3E |
| Legal Township | 4N |
| Legal Section | 21 |
| Jurisdiction | PREBLE OH |
| Township / Civil Division | GRATIS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 480100 |
6492 Gratis Rd is owned by two individuals who acquired it in March 2026.
Source: Preble County records, as of April 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 817 VICTORIA DR, FRANKLIN, OH 45005-1553 |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Apr 29, 2008 | Deed of Trust, Mortgage THE BATH STATE BANK |
| Aug 29, 2008 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE BATH STATE BANK |
| Mar 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Nov 22, 2024 | Sheriff's Deed, Foreclosure |
| Jun 3, 2020 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Aug 8, 2007 | Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2026 |
| Deed Sale | Mar 2, 2026 |
| Prior Sale | Nov 22, 2024 · Amount on File |
| Deed Document Number | 2026893 |
| Deed Book / Page | 476 / 1185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00404/1315 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 404/1315 |
| Instrument | 202000002277 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | EATON, OH 45320 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Title Company | FREEDOM TITLE |
| Name | Verified Name |
|---|
| Document Number | 00274/0518 |
|---|---|
| Date | Apr 29, 2008 |
| Book Page | 274/0518 |
| Instrument | 200800087808 |
| Name | THE BATH STATE BANK |
|---|---|
| Address | BATH, IN 47010 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 25, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PREBLE OH |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00277/1674 |
|---|---|
| Date | Aug 29, 2008 |
| Book Page | 277/1674 |
| Instrument | 200800090192 |
| Name | THE BATH STATE BANK |
|---|---|
| Address | BATH, IN 47010 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jun 30, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Mar 2, 2026 |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Document Number | 00476/1185 |
| Book / Page | 476 / 1185 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 202600000893 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2026 |
| Title Company | FREEDOM TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 817 VICTORIA DR, FRANKLIN, OH 45005-1553 |
| Document Number | 202600000894 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 202600000894 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 6% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Nov 22, 2024 |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Document Number | 00461/1151 |
| Book / Page | 461 / 1151 |
| Instrument Date | Nov 20, 2024 |
| Instrument | 202400004441 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 17, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $230.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14421 STATE ROUTE 122, SOMERVILLE, OH 45064-9620 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Jun 3, 2020 |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Document Number | 00404/2115 |
| Book / Page | 404 / 2115 |
| Instrument Date | May 15, 2020 |
| Instrument | 202000002411 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $472.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Document Number | 202000002412 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 202000002412 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PREBLE OH |
| Recording Date | Aug 8, 2007 |
| Property Address | 6492 GRATIS RD, CAMDEN, OH 45311 |
| Document Number | 00265/2592 |
| Book / Page | 265 / 2592 |
| Instrument Date | Aug 6, 2007 |
| Instrument | 200700082358 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | SOUTHWESTERN OH TITLE AGENCY LLC, SOUTHWESTERN OHIO TITLE AGEN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 565 METRO PL N # 120, 120, DUBLIN, OH 43017 |
| Mail Care Of | COUNTRYWIDE |
| Document Number | 200700082359 |
|---|---|
| Date | Aug 8, 2007 |
| Instrument | 200700082359 |
| Name | COUNTRYWIDE BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 6492 Gratis Rd was $417, down 76.4% from the year before.
Source: Preble County assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Preble County |
| County Subdivision | Gratis Township |
| Unified School District | Preble Shawnee Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $417.00 (-76.44%) | $11,730 (-77.67%) Land $10,780 Building $950 | |
| 2024 | $1,770.00 Homeowner's exemption | $52,540 (-) Land $10,780 Building $41,760 | |
| 2023 | $1,770.00 (-3.86%) Homeowner's exemption | $52,540 (+1.21%) Land $10,780 Building $41,760 | $33,500 Land $30,800 Building $2,700 |
| 2022 | $1,841.00 Homeowner's exemption | $51,910 Land $10,640 Building $41,270 | |
| 2020 | $150,100 Land $30,800 Building $119,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6492 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 risk around 6492 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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