10 S River St, Franklin, OH 45005 Property Records

Warren County property record for 10 S River St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,840 sqft · built 1883
Lot Size	0.236 acres (10,400 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Aug 2025)
Tax Bill	$2,788 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`04-32-376-002-0`

Property Details

APN / Parcel Number

Primary APN	`04-32-376-002-0`
Alternative APNs	`0432376002` `432376002` `2130289`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,840 sqft Living Area
1st Floor Area	464 sqft
2nd Floor Area	688 sqft

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1883
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Stone
Lot Area	10,400 sqft (0.236 acres)
Lot Dimensions	200 ft deep x 52 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2130289
Street Address	10 RIVER ST
City	FRANKLIN
State	OH
Zip	45005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT 326
Legal Subdivision	OUT LOT
Legal Block	289
Legal Lot Number	326
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2021
Census Tract	32501

Owner

10 S River St is owned by two individuals who bought it in August 2025.

Source: Warren County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6981 MAPLEWOOD LN, GOSHEN, OH 45122-9551
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Jul 20, 2012 · Amount on File
Deed Document Number	202519344
Prior Transfer Date	Apr 24, 1992
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jun 5, 2026
Property Address	10 S RIVER ST, FRANKLIN, OH 45005-2236
Document Number	0000015462
Instrument Date	Jun 1, 2026
Instrument	202615462
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	10 S RIVER ST, FRANKLIN, OH 45005-2236

Mortgage

Document Number	0000015462,
Date	Jun 5, 2026
Instrument	202615462

Lender

Name	SWIFT HOME LOANS INC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 10 S River St was $2,788.

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Franklin Township
Municipality	Franklin City
Unified School District	Franklin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,788.00	$51,620 Land $8,810 Building $42,810	$147,470 Land $25,160 Building $122,310
2023	$1,534.00 (+6.16%)	$27,839 (-) Land $4,991 Building $22,848
2022	$1,445.00	$27,839 Land $4,991 Building $22,848	$79,540 (-) Land $14,260 Building $65,280
2021			$79,540 Land $14,260 Building $65,280

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10 S River St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · river or lake flooding

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 10 S River 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 96% of the US · lower than 81% 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	FRANKLIN PUBLIC WATER SYSTEM private · serves 11,690 people · EPA ID OH8300412
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 261 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
Verizon Fixed Wireless	300 / 20

May also be available: altafiber Network Solutions, T-Mobile.

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