Warren County property record for 128 Harbour Dr, Springboro, OH 45066
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,443 sqft · built 2006 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Trust Name on File |
| Last Sale | $575,000 (Jun 2025) |
| Tax Bill | $5,862 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-09-455-012-0 |
| Primary APN | 04-09-455-012-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,443 sqft Living Area |
| 1st Floor Area | 2,443 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 246 sqft |
| Patio Area | 327 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 552478 |
|---|---|
| Old Parcel Number | 0409455012 |
| Street Address | 128 HARBOUR DR |
| City | SPRINGBORO |
| State | OH |
| Zip | 45066-8156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVE SETTLERS WALK 2 #35 |
| Legal Range | 05 |
| Legal Township | 02 |
| Legal Section | 09 |
| Legal Subdivision | COVE SETTLERS WALK 2 |
| Legal Block | 455 |
| Legal Lot Number | 35 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 30901 |
128 Harbour Dr is owner-occupied and held in a trust since June 2025.
Source: Warren County records, as of February 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 128 HARBOUR DR, SPRINGBORO, OH 45066-8156 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Jan 24, 2018 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2025 · Amount on File |
| Deed Sale | Jun 25, 2025 · Amount on File |
| Prior Sale | Dec 2, 2019 · Amount on File |
| Deed Document Number | 0000014925 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Dec 2, 2019 |
| Property Address | 128 HARBOUR DR, SPRINGBORO, OH 45066-8156 |
| Document Number | 0000036574 |
| Map Reference | MB 74 PG 34-36 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2019-036574 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 128 HARBOUR DR, SPRINGBORO, OH 45066-8156 |
| Investor | Possibly a Property Investor |
| Document Number | 0000036575 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 2019-036575 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Dec 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 128 HARBOUR DR, SPRINGBORO, OH 45066-8156 |
| Document Number | 0000003284 |
| Instrument Date | Jan 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 128 HARBOUR DR SPRINGBORO OH 450668156, SPRINGBORO, OH 45066-8156 |
| Document Number | 0000003284 |
|---|---|
| Date | Feb 2, 2018 |
| Instrument | 3284 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 128 Harbour Dr was $5,862.
Source: Warren County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Clear Creek Township |
| Municipality | Springboro City |
| Unified School District | Springboro Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,862.00 | $160,654 Land $21,000 Building $139,654 | $459,010 Land $60,000 Building $399,010 |
| 2023 | $5,466.00 (+1.5%) Homeowner's exemption | $137,120 (-) Land $21,630 Building $115,490 | |
| 2022 | $5,385.00 Homeowner's exemption | $137,120 Land $21,630 Building $115,490 | $391,770 (-) Land $61,800 Building $329,970 |
| 2021 | $391,770 Land $61,800 Building $329,970 |
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.
FEMA maps place 128 Harbour Dr in Zone X, an area of minimal flood risk.
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 |
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 risk around 128 Harbour Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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