195 Ethelrob Cir, Franklin, OH 45005 Property Records

Warren County property record for 195 Ethelrob Cir, Franklin, OH 45005 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,126 sqft · built 1999
Lot Size	0.333 acres (14,549 sqft)
Owner	2 Individual Names on File
Last Sale	$192,201 (Oct 1999)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-32-205-016-0`

Property Details

APN / Parcel Number

Primary APN	`01-32-205-016-0`
Alternative APNs	`0132205016` `132205016` `1820064`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,126 sqft Living Area
1st Floor Area	2,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Concrete
Lot Area	14,549 sqft (0.333 acres)
Garage Type	Attached
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	253 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	1820064
Old Parcel Number	0132205016
Street Address	195 ETHELROB CIR
City	FRANKLIN
State	OH
Zip	45005-4266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWLARK ESTATES 7 #133
Legal Subdivision	MEADOWLARK ESTATES 7
Legal Block	205
Legal Lot Number	133
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2028
Census Tract	30101

Owner

Source: Warren County records · APN 01-32-205-016-0

Assessment roll updated August 1, 2025 · Last verified February 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	195 ETHELROB CIR, CARLISLE, OH 45005-4266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit UNION SVGS
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 26, 1999 · Amount on Record
Deed Sale	Oct 26, 1999 · Amount on Record
Prior Sale	May 21, 1999 · Amount on Record
Deed Document Number	0001854991
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	195 ETHELROB CIR, FRANKLIN, OH 45005-4266
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 ETHELROB CIR, CARLISLE, OH 45005-4266

Mortgage

Document Number	0000016333
Date	May 13, 2022
Instrument	2022-016333

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 03, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	195 ETHELROB CIR, FRANKLIN, OH 45005-4266
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008471
Date	Mar 10, 2022
Instrument	2022-008471

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	195 ETHELROB CIR, CARLISLE, OH 45005-4266
Document Number	0000022831
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 05, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 ETHELROB CIR CARLISLE OH 450054266, CARLISLE, OH 45005-4266

Mortgage

Document Number	0000022831
Date	Jun 29, 2020
Instrument	22831

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2040

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	195 ETHELROB CIR, CARLISLE, OH 45005-4266
Document Number	0000008280
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 ETHELROB CIR FRANKLIN OH 450054266, FRANKLIN, OH 45005-4266

Mortgage

Document Number	0000008280
Date	Apr 05, 2019
Instrument	8280

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 04, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated August 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Carlisle City
County	Warren County
County Subdivision	Franklin Township
Unified School District	Carlisle Local 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,538.00 (+17.81%)	$118,493 (+30.43%) Land $21,000 Building $97,493	$338,550 (+30.43%) Land $60,000 Building $278,550
2023	$3,852.00 (+2.09%) Homeowner's exemption	$90,846 (-) Land $11,813 Building $79,033
2022	$3,773.00 Homeowner's exemption	$90,846 Land $11,813 Building $79,034	$259,560 (-) Land $33,750 Building $225,810
2021			$259,560 Land $33,750 Building $225,810

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Warren County (39165C), updated June 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391650301012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Nearby Flood Policies	25 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Jan 2005, river or lake flooding, Severe Winter Storms, Flooding, And Mudslides

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Benton Ridge Telephone Company, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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