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12 Lance Dr, Franklin, OH 45005 Property Records

Warren County property record for 12 Lance Dr, Franklin, OH 45005

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,706 sqft · built 1998
Lot Size0.229 acres (9,981 sqft)
OwnerIndividual Name on File
Last Sale$181,500 (Oct 2017)
Tax Bill$4,953 (2025)
Deeds & MortgagesJul 2020 Mortgage
Oct 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-194-003-0

Property Details

APN / Parcel Number

Primary APN04-26-194-003-0
Alternative APNs
  • 0426194003
  • 426194003
  • 2138630

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area1,706 sqft Living Area
Gross Area2,054 sqft
1st Floor Area162 sqft
2nd Floor Area772 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area9,981 sqft (0.229 acres)
Garage TypeAttached
Garage Area348 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area110 sqft
Deck Area204 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number2138630
Street Address12 LANCE DR
CityFRANKLIN
StateOH
Zip45005-6507
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARPLAND ESTATES 4 LOT 69
Legal SubdivisionHARPLAND ESTATES 4
Legal Block630
Legal Lot Number69
JurisdictionWARREN OH
Township / Civil DivisionFRANKLIN
Census Block Group1
Census Block1001
Census Tract32501

Owner

Source: Warren County records · APN 04-26-194-003-0

Assessment roll updated February 9, 2026 · Last verified May 2026

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

Owner of RecordIndividual Name on File
Mailing Address12 LANCE DR, FRANKLIN, OH 45005-6507
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG
Oct 31, 2017Grant Deed, Transfer · VA Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 31, 2017 · Amount on Record
Deed SaleOct 31, 2017 · Amount on Record
Prior SaleJan 08, 1999 · Amount on Record
Deed Document Number201733270
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWARREN OH
Property Address12 LANCE DR, FRANKLIN, OH 45005-6507
Document Number0000028871
Instrument DateJul 15, 2020
Transaction TypeMortgage
Record UpdatedSep 08, 2020
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12 LANCE DR FRANKLIN OH 450056507, FRANKLIN, OH 45005-6507

Mortgage

Document Number0000028871
DateAug 05, 2020
Instrument28871
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term336 Months
DueAug 04, 2048

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWARREN OH
Recording DateOct 31, 2017
Property Address12 LANCE DR, FRANKLIN, OH 45005-6507
Document Number0000033270
Instrument DateOct 27, 2017
Instrument33270
Transaction TypeTransfer
Record UpdatedNov 24, 2017
Title CompanyAMERICAN HOMELAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$544.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12 LANCE DR FRANKLIN OH 450056507, FRANKLIN, OH 45005-6507

Mortgage

Document Number33271
DateOct 31, 2017
Instrument33271
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 30, 2047

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated February 9, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateOhio
CountyWarren County
County SubdivisionFranklin Township
MunicipalityFranklin City
Unified School DistrictFranklin City School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,953.00 (+30.82%)$94,830 (+31.38%) Land $24,500 Building $70,330$270,930 (+31.37%) Land $70,000 Building $200,930
2023$3,786.00 (+3.33%) Homeowner's exemption$72,181 (-) Land $12,390 Building $59,791
2022$3,664.00 Homeowner's exemption$72,181 Land $12,390 Building $59,791$206,230 (-) Land $35,400 Building $170,830
2021$206,230 Land $35,400 Building $170,830

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 25, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims2 (1980–2021)
Claims Outside the SFHA1 of 2
Most Recent ClaimJun 2021 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 96% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Cincinnati Bell.

Based on FCC filings for 172 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemFRANKLIN PUBLIC WATER SYSTEM
private · serves 11,690 people
Water SourceGroundwater
Last State InspectionSep 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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