251 Hemlock St, Franklin, OH 45005 Property Records

Warren County property record for 251 Hemlock St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,627 sqft · built 1996
Lot Size	0.234 acres (10,193 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Apr 1998)
Tax Bill	$6,374 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-171-017-0`

Property Details

APN / Parcel Number

Primary APN	`04-26-171-017-0`
Alternative APNs	`0426171017` `426171017` `2138158`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,627 sqft Living Area
Gross Area	4,177 sqft
1st Floor Area	1,909 sqft
Basement Area	1,718 sqft
Finished Basement	1,718 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick/Stone
Construction Type	Brick
Foundation Type	Concrete
Lot Area	10,193 sqft (0.234 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Open Porch
Porch Area	90 sqft
Deck Area	386 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2138158
Street Address	251 HEMLOCK ST
City	FRANKLIN
State	OH
Zip	45005-1583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARPLAND 16 LOT 344
Legal Subdivision	HARPLAND 16
Legal Block	158
Legal Lot Number	344
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1012
Census Tract	32501

Owner

251 Hemlock St is owned and occupied by two individuals who bought it in April 1998.

Source: Warren County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	251 HEMLOCK ST, FRANKLIN, OH 45005-1583
Occupancy	Owner Occupied
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
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK.
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST NAT'L FIN'L CORP
Jun 20, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 1998 · Amount on File
Deed Sale	Apr 15, 1998 · Amount on File
Prior Sale	Nov 28, 1995 · Amount on File
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jun 16, 2026
Property Address	251 HEMLOCK ST, FRANKLIN, OH 45005-1583
Document Number	0000016442
Instrument Date	Jun 2, 2026
Instrument	202616442
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016442,
Date	Jun 16, 2026
Instrument	202616442

Lender

Name	FIRST FINANCIAL BANK.

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 10, 2051

Interest

Rate	6.37%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	251 HEMLOCK ST, FRANKLIN, OH 45005-1583
Document Number	0000045237
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	251 HEMLOCK ST FRANKLIN OH 450051583, FRANKLIN, OH 45005-1583

Mortgage

Document Number	0000045237
Date	Nov 9, 2020
Instrument	45237

Lender

Name	1ST NAT'L FIN'L CORP
Address	MASON, OH 45040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 8, 2035

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	251 HEMLOCK ST, FRANKLIN, OH 45005-1583
Document Number	0000018614
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	251 HEMLOCK ST FRANKLIN OH 450051583, FRANKLIN, OH 45005-1583

Mortgage

Document Number	0000018614
Date	Jul 3, 2018
Instrument	18614

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNAT, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 2, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 251 Hemlock St was $6,374.

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	$6,374.00	$124,040 Land $24,500 Building $99,540	$354,410 Land $70,000 Building $284,410
2023	$4,945.00 (+3.45%) Homeowner's exemption	$102,771 (-) Land $12,915 Building $89,856
2022	$4,780.00 Homeowner's exemption	$102,771 Land $12,915 Building $89,856	$293,630 (-) Land $36,900 Building $256,730
2021			$293,630 Land $36,900 Building $256,730

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 251 Hemlock St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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
Nearby Flood Claims	2 (1980–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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

Wildfire risk around 251 Hemlock St 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 98% of the US · lower than 90% 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	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 507 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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