2678 Opal Dr, Middletown, OH 45044 Property Records

Butler County property record for 2678 Opal Dr, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1999
Lot Size	0.167 acres (7,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,000 (Nov 2022)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2023 Transfer + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`C1720-078-000-053`

Property Details

APN / Parcel Number

Primary APN	`C1720-078-000-053`
Alternative APNs	`0006800` `264655` `266965`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,257 sqft (0.167 acres)
Lot Dimensions	144 ft deep x 57 ft wide
Terrain	Above Road/Slope
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2678 OPAL DR
City	MIDDLETOWN
State	OH
Zip	45044-7883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26 ENT PROSPECTOR PLACE SEC 1
Legal Subdivision	PROSPECTOR PLACE
Legal Lot Number	26
Jurisdiction	BUTLER OH
Township / Civil Division	LEMON
Census Block Group	2
Census Block	2011
Census Tract	14000

Owner

Source: Butler County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 17, 2023	Correction Deed
Nov 18, 2022	Survivorship Deed, Transfer · FHA Mortgage 1ST NATIONAL BANK
Jun 30, 2020	Fiduciary Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Jun 27, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202248463
Deed Book / Page	9919 / 1377
Prior Transfer Date	Jun 18, 2019
Prior Transfer Doc	0000022500
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883

Mortgage

Document Number	0000003041
Date	Jan 28, 2026
Book Page	10313/1340
Instrument	2026-00003041

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	BUTLER OH
Recording Date	Mar 17, 2023
Property Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Document Number	0000008032
Book / Page	9953 / 1712
Map Reference	ENV 2987 PG A-C
Instrument Date	Mar 7, 2023
Instrument	2023-00008032
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883

November 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	BUTLER OH
Recording Date	Nov 18, 2022
Property Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Document Number	0000048463
Book / Page	9919 / 1377
Map Reference	ENV 2987 PG A-C
Instrument Date	Oct 28, 2022
Instrument	2022-00048463
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883

Mortgage

Document Number	0099191380
Date	Nov 18, 2022
Instrument	9919/1380

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

June 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BUTLER OH
Recording Date	Jun 30, 2020
Property Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Document Number	0000027386
Book / Page	9464 / 1290
Map Reference	ENV 2987 PG A-C
Instrument Date	Jun 18, 2020
Instrument	2020-00027386
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883

Mortgage

Document Number	0094641292
Date	Jun 30, 2020
Instrument	9464/1292

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	BUTLER OH
Recording Date	Jun 27, 2019
Property Address	2678 OPAL DR, MIDDLETOWN, OH 45044-7883
Document Number	0000022500
Book / Page	009304 / 000509
Instrument Date	Jun 18, 2019
Instrument	22500
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2678 OPAL DR MIDDLETOWN OH 450447883, MIDDLETOWN, OH 45044-7883

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,626.00 (-4.58%)	$49,730 (-) Land $5,080 Building $44,650	$142,080 (-) Land $14,520 Building $127,560
2024	$2,752.00 (+10.79%)
2023	$2,484.00 (+23.09%)	$49,730 (+54.92%) Land $5,080 Building $44,650	$142,080 (+54.91%) Land $14,520 Building $127,560
2022	$2,018.00	$32,100 Land $5,080 Building $27,020
2020			$91,720 Land $14,520 Building $77,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Jan 2004 · 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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