221 Elm St, Franklin, OH 45005 Property Records

Warren County property record for 221 Elm St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,772 sqft · built 1901
Lot Size	0.25 acres (10,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,666 (Jul 2008)
Tax Bill	$3,321 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-04-281-007-0`

Property Details

APN / Parcel Number

Primary APN	`02-04-281-007-0`
Alternative APNs	`0204281007` `204281007` `2110865`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,772 sqft Living Area
Gross Area	1,916 sqft
1st Floor Area	36 sqft
2nd Floor Area	868 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Lot Area	10,875 sqft (0.25 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	376 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2110865
Street Address	221 ELM ST
City	FRANKLIN
State	OH
Zip	45005-3611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MACKINAW ADD. LOT 436
Legal Range	5
Legal Township	1
Legal Section	4
Legal Subdivision	MACKINAW ADD.
Legal Block	865
Legal Lot Number	436
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1055
Census Tract	30200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mackinaw Historic District listed 1980 · 40 contributing resources · NRIS 80003242

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Warren County records, as of September 30, 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 Record
Mailing Address	221 ELM ST, FRANKLIN, OH 45005-3611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2008 · Amount on Record
Deed Sale	Jul 23, 2008 · Amount on Record
Prior Sale	Aug 23, 2002 · Amount on Record
Deed Document Number	2008702483
Deed Book / Page	4717 / 812
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Sep 18, 2026
Property Address	221 ELM ST, FRANKLIN, OH 45005-3611
Document Number	0000026560
Instrument Date	Sep 10, 2026
Instrument	202626560
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 ELM ST, FRANKLIN, OH 45005-3611

Mortgage

Document Number	0000026560,
Date	Sep 18, 2026
Instrument	202626560

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	221 ELM ST, FRANKLIN, OH 45005-3611
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021031657
Date	Jul 12, 2021
Instrument	2021-031657

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

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	$3,321.00 (+33.48%)	$56,360 (+29.76%) Land $15,630 Building $40,730	$161,030 (+29.76%) Land $44,660 Building $116,370
2023	$2,488.00 (+12.83%) Homeowner's exemption	$43,435 (-) Land $10,346 Building $33,089
2022	$2,205.00 Homeowner's exemption	$43,435 Land $10,346 Building $33,089	$124,100 (-) Land $29,560 Building $94,540
2021			$124,100 Land $29,560 Building $94,540

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
Flood Insurance Cost	Premium on Record 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

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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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