100 Charles St, Middletown, OH 45042 Property Records

Butler County property record for 100 Charles St, Middletown, OH 45042

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,480 sqft · built 1949
Lot Size	0.114 acres (5,001 sqft)
Owner	Owner Name on Record
Tax Bill	$916 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`Q6532-019.000-069`

Property Details

APN / Parcel Number

Primary APN	`Q6532-019.000-069`
Alternative APNs	`0003300` `436489` `439987`

Interior

Stories	1 Story
Building Area	3,480 sqft Total Area
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1949
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	5,001 sqft (0.114 acres)
Garage Type	Detached
Canopy	450 sqft
Loading Dock	300 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0003300
Old Parcel Number	Q6532019.000069
Street Address	100 CHARLES ST
City	MIDDLETOWN
State	OH
Zip	45042
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	633 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	633
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3020
Census Tract	14400

Owner

Source: Butler County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	9966 POND WOODS LN, SHARONVILLE, OH 45241-3620

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage VALLEY CENTRAL BANK
Sep 18, 2019	Deed of Trust, Mortgage · Line of Credit VALLEY CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 20, 2006
Transfer Doc	0000004326
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	100 CHARLES ST, MIDDLETOWN, OH 45042-2139
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045036
Date	Oct 20, 2022
Book Page	9910/1519
Instrument	2022-00045036

Lender

Name	VALLEY CENTRAL BANK
Type	Bank
Address	HAMILTON, OH 45011

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 18, 2042

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	100 CHARLES ST, MIDDLETOWN, OH 45042-2139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035251
Date	Sep 18, 2019
Book Page	9340/0158
Instrument	2019-00035251

Lender

Name	VALLEY CENTRAL BANK
Type	Bank
Address	MIDDLETOWN, OH 45042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 18, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$916.00 (+1.44%)	$15,050 (-) Land $1,350 Building $13,700	$42,980 (-) Land $3,850 Building $39,130
2023	$903.00	$15,050 Land $1,350 Building $13,700	$42,980 Land $3,850 Building $39,130

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 31, 2026

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	Not rated no burnable land within 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	MIDDLETOWN CITY PWS serves 51,229 people · EPA ID OH0901712
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 461 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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