2609 Central Ave, Middletown, OH 45044 Property Records

Butler County property record for 2609 Central Ave, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,090 sqft · built 1928
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$319,000 (Oct 2024)
Tax Bill	$4,756 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`Q6531-043.000-026`

Property Details

APN / Parcel Number

Primary APN	`Q6531-043.000-026`
Alternative APNs	`0002400` `435109` `438616`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,090 sqft Living Area
Gross Area	2,030 sqft
1st Floor Area	1,015 sqft
Basement Area	547 sqft
Finished Basement	547 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Combination
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	416 ft deep x 55 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	243 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0002400
Old Parcel Number	Q6531043.000026
Street Address	2609 CENTRAL AVE
City	MIDDLETOWN
State	OH
Zip	45044-4849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4745 E 55 OF W 80
Legal Subdivision	HIGHLANDS
Legal Lot Number	4745
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3029
Census Tract	12700

Owner

2609 Central Ave is owned and occupied by an individual who bought it in October 2024.

Source: Butler County records, as of March 11, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2609 CENTRAL AVE, MIDDLETOWN, OH 45044-4849
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
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 29, 2023	Warranty Deed, Transfer · Line of Credit CME LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Jun 29, 2023 · Amount on File
Deed Document Number	0000032026
Deed Book / Page	10137 / 1546
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	2609 CENTRAL AVE, MIDDLETOWN, OH 45044-4849
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066611
Date	Nov 22, 2021
Book Page	9764/1817
Instrument	2021-00066611

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	43241

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jun 29, 2023
Property Address	2609 CENTRAL AVE, MIDDLETOWN, OH 45044-4849
Document Number	0000019946
Book / Page	9987 / 28
Instrument Date	Jun 22, 2023
Instrument	2023-00019946
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2609 CENTRAL AVE, MIDDLETOWN, OH 45044-4849

Mortgage

Document Number	0000998731
Date	Jun 29, 2023
Instrument	9987/31

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2609 Central Ave was $4,756.

Source: Butler County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,756.00	$90,410 Land $11,130 Building $79,280	$258,310 Land $31,810 Building $226,500
2023	$4,710.00 (+143.79%)	$89,410 (+76.18%) Land $11,130 Building $78,280	$255,460 Land $31,810 Building $223,650
2022	$1,932.00	$50,750 Land $11,130 Building $39,620
2020			$145,010 Land $31,810 Building $113,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2609 Central Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2609 Central Ave 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	Direct burnable vegetation

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	MIDDLETOWN CITY PWS serves 51,229 people · EPA ID OH0901712
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 615 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

May also be available: T-Mobile, Verizon.

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