131 Sycamore St, Franklin, OH 45005 Property Records

Warren County property record for 131 Sycamore St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1992
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Individual Names on File
Last Sale	$63,000 (Aug 2018)
Tax Bill	$1,891 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-04-207-028-0`

Property Details

APN / Parcel Number

Primary APN	`02-04-207-028-0`
Alternative APNs	`0204207028` `204207028` `2146045`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	150 ft deep x 88 ft wide
Parking Spaces	1 Parking Space
Deck Area	30 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	2146045
Street Address	131 SYCAMORE ST
City	FRANKLIN
State	OH
Zip	45005-3586
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MACKINAW ADD. LOT 400 & 401
Legal Subdivision	MACKINAW ADD.
Legal Block	45
Legal Lot Number	400
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1030
Census Tract	30200

Owner

131 Sycamore St is owned by two individuals who bought it in August 2018.

Source: Warren County records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9321 BRUCE DR, FRANKLIN, OH 45005-1408
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION
Apr 7, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 31, 2018	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Jun 4, 2015 · Amount on File
Deed Document Number	201825128
Prior Transfer Date	May 14, 1992
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jul 16, 2026
Property Address	131 SYCAMORE ST, FRANKLIN, OH 45005-3586
Document Number	0000019890
Instrument Date	Jul 1, 2026
Instrument	202619890
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 SYCAMORE ST, FRANKLIN, OH 45005-3586

Mortgage

Document Number	0000019890,
Date	Jul 16, 2026
Instrument	202619890

Lender

Name	WRIGHT-PATT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 25, 2051

Interest

Rate	6.48%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	131 SYCAMORE ST, FRANKLIN, OH 45005-3586
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 SYCAMORE ST, FRANKLIN, OH 45005-3586

Mortgage

Document Number	0000011765
Date	Apr 7, 2022
Instrument	2022-011765

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Aug 31, 2018
Property Address	131 SYCAMORE ST, FRANKLIN, OH 45005-3586
Document Number	0000025128
Instrument Date	Jul 31, 2018
Instrument	25128
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	VANTAGE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 SYCAMORE ST FRANKLIN OH 450053586, FRANKLIN, OH 45005-3586

Mortgage

Document Number	25129
Date	Aug 31, 2018
Instrument	25129

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 131 Sycamore St was $1,891.

Source: Warren County assessment roll, as of February 9, 2026

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	$1,891.00	$35,450 Land $4,250 Building $31,200	$101,280 Land $12,140 Building $89,140
2023	$1,487.00 (+4.42%) Homeowner's exemption	$28,046 (-) Land $4,106 Building $23,940
2022	$1,424.00 Homeowner's exemption	$28,046 Land $4,106 Building $23,940	$80,130 (-) Land $11,730 Building $68,400
2021			$80,130 Land $11,730 Building $68,400

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

FEMA maps place 131 Sycamore St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	13 (1991–2018)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Apr 2018 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 5 claims

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

The area around 131 Sycamore St has no burnable land within ember reach, so its wildfire risk is not rated.

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	FRANKLIN PUBLIC WATER SYSTEM private · serves 11,690 people · EPA ID OH8300412
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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