122 Lance Dr, Franklin, OH 45005 Property Records

Warren County property record for 122 Lance Dr, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,534 sqft · built 2002
Lot Size	0.257 acres (11,234 sqft)
Owner	2 Owner Names on Record
Last Sale	$203,490 (Mar 2003)
Tax Bill	$5,354 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-127-012-0`

Property Details

APN / Parcel Number

Primary APN	`04-26-127-012-0`
Alternative APNs	`0426127012` `426127012` `2139054`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,534 sqft Living Area
2nd Floor Area	1,162 sqft

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Concrete
Lot Area	11,234 sqft (0.257 acres)
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	150 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2139054
Old Parcel Number	0426127012
Street Address	122 LANCE DR
City	FRANKLIN
State	OH
Zip	45005-6508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODS OF HARPLAND #1
Legal Subdivision	WOODS OF HARPLAND
Legal Block	127
Legal Lot Number	1
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1001
Census Tract	32501

Owner

Source: Warren County records, as of February 20, 2026

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

Owner of Record	2 Owner Names on Record
Mailing Address	122 LANCE DR, FRANKLIN, OH 45005-6508
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2003 · Amount on Record
Deed Sale	Mar 11, 2003 · Amount on Record
Prior Sale	Dec 23, 2002 · Amount on Record
Deed Document Number	0002937132
Deed Book / Page	2937 / 132
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	122 LANCE DR, FRANKLIN, OH 45005-6508
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 LANCE DR, FRANKLIN, OH 45005-6508

Mortgage

Document Number	0000002149
Date	Feb 3, 2023
Instrument	2023-002149

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jan 25, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	122 LANCE DR, FRANKLIN, OH 45005-6508
Document Number	0000011846
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	122 LANCE DR FRANKLIN OH 450056508, FRANKLIN, OH 45005-6508

Mortgage

Document Number	0000011846
Date	Apr 13, 2020
Instrument	11846

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 12, 2035

Tax Assessment & Valuation

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

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	$5,354.00 (+27.69%)	$103,887 (+29.93%) Land $24,500 Building $79,387	$296,820 (+29.93%) Land $70,000 Building $226,820
2023	$4,193.00 (+3.3%) Homeowner's exemption	$79,954 (-) Land $12,390 Building $67,564
2022	$4,059.00 Homeowner's exemption	$79,954 Land $12,390 Building $67,564	$228,440 (-) Land $35,400 Building $193,040
2021			$228,440 Land $35,400 Building $193,040

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 June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1980–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

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

May also be available: altafiber Network Solutions.

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