7 McCloud Dr, Gratis, OH 45330 Property Records

Preble County property record for 7 McCloud Dr, Gratis, OH 45330

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,752 sqft · built 1954
Lot Size	0.737 acres (32,147 sqft)
Owner	Individual Name on Record
Tax Bill	$1,284 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C06-0010-010-00-011-000`

Property Details

APN / Parcel Number

Primary APN	`C06-0010-010-00-011-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,752 sqft
Basement Area	1,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,147 sqft (0.737 acres)
Terrain	Rolling
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Patio Area	432 sqft
Shed	1 Shed
Shed Area	280 sqft
Canopy	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7 MCCLOUD DR
City	GRATIS
State	OH
Zip	45330-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S PT OUT LOT 48 & 49
Legal Lot Number	48 49
Jurisdiction	PREBLE OH
Township / Civil Division	GRATIS
Census Block Group	3
Census Block	3005
Census Tract	480100

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	GRATIS, OH 45330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jan 23, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Feb 3, 2010	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGE BANK
Oct 12, 2015	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 18, 2025	Warranty Deed, Transfer
Nov 16, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2025
Deed Sale	Jun 18, 2025
Deed Document Number	695
Deed Book / Page	467 / 1616
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00470/2660
Date	Sep 19, 2025
Book Page	470/2660
Instrument	202500003954

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000475/632
Date	Jan 23, 2026
Book Page	475/632
Instrument	202600000308

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 28, 2051

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	CAMCO TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00292/0333
Date	Feb 3, 2010
Book Page	292/0333
Instrument	201000000487

Lender

Name	ADVANTAGE BANK
Type	Bank
Address	GERMANTOWN, OH 45327

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2020

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PREBLE OH
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00354/1965
Date	Oct 12, 2015
Book Page	354/1965
Instrument	201500004653

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PREBLE OH
Recording Date	Jun 18, 2025
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Document Number	00467/1616
Book / Page	467 / 1616
Instrument Date	Jun 17, 2025
Instrument	202500002418
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12, GRATIS, OH 45330-0012

November 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	PREBLE OH
Recording Date	Nov 16, 2022
Property Address	7 MCCLOUD DR, GRATIS, OH 45330-3514
Document Number	00440/1974
Book / Page	440 / 1974
Instrument Date	Nov 10, 2022
Instrument	202200005751
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,284.00 (-2.21%) Homeowner's exemption	$43,400 (-) Land $7,000 Building $36,400
2024	$1,313.00 (+7.01%) Homeowner's exemption	$43,400 (-) Land $7,000 Building $36,400
2023	$1,227.00 (+3.28%) Homeowner's exemption	$43,400 (+7.35%) Land $7,000 Building $36,400	$124,000 (-) Land $20,000 Building $104,000
2022	$1,188.00 Homeowner's exemption	$40,430 Land $5,950 Building $34,480
2020			$124,000 Land $20,000 Building $104,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 7, 2024

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

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	GRATIS VILLAGE PWS serves 990 people · EPA ID OH6800612
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (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	2 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 44 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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