1045 Central Ave, Middletown, OH 45044 Property Records

Butler County property record for 1045 Central Ave, Middletown, OH 45044

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,986 sqft · built 1875
Lot Size	0.076 acres (3,311 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Aug 2019)
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`Q6511-009-000-012`

Property Details

APN / Parcel Number

Primary APN	`Q6511-009-000-012`
Alternative APNs	`0002100` `53101` `53548`

Interior

Stories	1 Story
Building Area	7,986 sqft Gross Area
1st Floor Area	3,333 sqft
Basement Area	3,333 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1875
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	3,311 sqft (0.076 acres)
View / Lot	Central Business

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1045 CENTRAL AVE
City	MIDDLETOWN
State	OH
Zip	45044-4008
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	75 W32 1/2 OF 108.04
Legal Subdivision	MIDDLETOWN
Legal Lot Number	75
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1022
Census Tract	14400

Owner

Source: Butler County records, as of July 22, 2026

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

Owner of Record	Company Name on Record
Mailing Address	617 WOOSTER PIKE, TERRACE PARK, OH 45174-1037
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST COMPANY
May 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC
Aug 7, 2019	Warranty Deed, Transfer · Conventional Mortgage LENDTERRA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2019 · Amount on Record
Deed Sale	Aug 7, 2019 · Amount on Record
Prior Sale	Oct 19, 2010 · Amount on Record
Deed Document Number	201928843
Deed Book / Page	9321 / 1732
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1045 CENTRAL AVE, MIDDLETOWN, OH 45044-4008
Transaction Type	Mortgage
Record Updated	Jan 11, 2024
Title Company	IVY POINTE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040733
Date	Dec 27, 2023
Book Page	10044/984
Instrument	2023-00040733

Lender

Name	STOCK YARDS BANK & TRUST COMPANY
Type	Non-Lending Institution
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 21, 2028

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1045 CENTRAL AVE, MIDDLETOWN, OH 45044-4008
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020893
Date	May 22, 2020
Book Page	9444/1601
Instrument	2020-00020893

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	FRANKLIN, OH 45005

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Aug 7, 2019
Property Address	1045 CENTRAL AVE, MIDDLETOWN, OH 45044-4008
Document Number	0000028843
Book / Page	009321 / 001732
Instrument Date	Aug 1, 2019
Instrument	28843
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	617 WOOSTER PIKE TERRACE PARK OH 451741037, TERRACE PARK, OH 45174-1037

Mortgage

Document Number	28844
Date	Aug 7, 2019
Book Page	009321/001735
Instrument	28844

Lender

Name	LENDTERRA INC
Address	1940 N THUNDERBIRD DR # 101/10, PHOENIX, AZ 85022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	28846,
Date	Aug 7, 2019
Book Page	009321/001786
Instrument	28846

Lender

Name	HEYDA JOHN & CHEE C R
Address	16 ALAMEDA CIR, MIDDLETOWN, OH 45044-4865

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 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	$5,384.00 (+2.01%)	$54,080 (-) Land $4,060 Building $50,020	$154,510 (-) Land $11,590 Building $142,920
2024	$5,278.00 (+62.65%)
2023	$3,245.00 (-63.47%)	$54,080 (-) Land $4,060 Building $50,020	$154,510 (-) Land $11,590 Building $142,920
2022	$8,882.00	$54,080 Land $4,060 Building $50,020
2020			$154,510 Land $11,590 Building $142,920

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 140 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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