231 Oak Dr, Franklin, OH 45005 Property Records

Montgomery County property record for 231 Oak Dr, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,032 sqft · built 1966
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Aug 2007)
Tax Bill	$2,870 (2024)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`K51 00104 0016`

Property Details

APN / Parcel Number

Primary APN	`K51 00104 0016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Patio Area	352 sqft
Canopy	352 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	231 OAK DR
City	FRANKLIN
State	OH
Zip	45005-5812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	387 FAIRVIEW 4
Legal Subdivision	FAIRVIEW 4
Legal Lot Number	16
Jurisdiction	MONTGOMERY OH
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3117
Census Tract	50600

Owner

Source: Montgomery County records, as of January 26, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	231 OAK DR, FRANKLIN, OH 45005-5812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Oct 7, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2007 · Amount on Record
Deed Sale	Aug 28, 2007 · Amount on Record
Prior Sale	Jul 18, 2001
Deed Document Number	0000000422
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	231 OAK DR, FRANKLIN, OH 45005-5812
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039778
Date	May 24, 2021
Instrument	2021-00039778

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	231 OAK DR, FRANKLIN, OH 45005-5812
Document Number	0000056426
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 OAK DR FRANKLIN OH 450055812, FRANKLIN, OH 45005-5812

Mortgage

Document Number	0000056426
Date	Sep 22, 2020
Instrument	56426

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 21, 2040

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	231 OAK DR, FRANKLIN, OH 45005-5812
Document Number	0000065733
Instrument Date	Oct 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 OAK DR CARLISLE OH 450055812, CARLISLE, OH 45005-5812

Mortgage

Document Number	0000065733
Date	Nov 1, 2017
Instrument	65733

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Miami Township
Municipality	Carlisle City
Unified School District	Carlisle Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$56,260 (-) Land $13,260 Building $43,000
2024	$2,870.00 (-0.83%)
2023	$2,894.00 (+29.89%)	$56,260 (+44.11%) Land $13,260 Building $43,000	$160,730 (+44.07%) Land $37,880 Building $122,850
2022	$2,228.00	$39,040 Land $8,550 Building $30,490
2020			$111,560 Land $24,440 Building $87,120

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 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 Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1989–2020)
Most Recent Claim	Mar 2020 · other causes
Claims by Event	Severe Storms & Flooding, May 1989 · 2 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	Low lower than 99.1% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARLISLE CITY PWS serves 1,675 people · EPA ID OH8303803
Water Source	Purchased groundwater from FRANKLIN PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 41 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: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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