2709 Central Ave, Middletown, OH 45044 Property Records

Butler County property record for 2709 Central Ave, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,059 sqft · built 1928
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Jan 2020)
Tax Bill	$3,532 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2020 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`Q6531-043-000-045`

Property Details

APN / Parcel Number

Primary APN	`Q6531-043-000-045`
Alternative APNs	`0002800` `244711` `246814`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,059 sqft Living Area
1st Floor Area	792 sqft
Basement Area	475 sqft
Finished Basement	475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2019
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	145 ft deep x 53 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2709 CENTRAL AVE
City	MIDDLETOWN
State	OH
Zip	45044-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6870 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	6870
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3029
Census Tract	12700

Owner

2709 Central Ave is owned and occupied by an individual who bought it in January 2020.

Source: Butler County records, as of December 30, 2025

Owner of Record	Individual Name on File
Mailing Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851
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
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 24, 2020	Warranty Deed, Transfer · Line of Credit 1ST NATIONAL BANK
Oct 8, 2019	Warranty Deed, Transfer · Line of Credit 2709 CTRL AVE PERSONAL TR (CT)
Jul 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2020 · Amount on File
Deed Sale	Jan 24, 2020 · Amount on File
Prior Sale	Oct 8, 2019 · Amount on File
Deed Document Number	20203556
Deed Book / Page	9394 / 741
Prior Transfer Date	Jan 21, 2020
Prior Transfer Doc	0000003556
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005195
Date	Feb 1, 2022
Book Page	9802/790
Instrument	2022-00005195

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jan 24, 2020
Property Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851
Document Number	0000003556
Book / Page	9394 / 0741
Instrument Date	Jan 21, 2020
Instrument	2020-00003556
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851

Mortgage

Document Number	0093940744
Date	Jan 24, 2020
Instrument	9394/0744

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Oct 8, 2019
Property Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851
Document Number	0000038383
Book / Page	009349 / 000630
Instrument Date	Sep 16, 2019
Instrument	38383
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2761 GALILEO LN FRANKLIN OH 450055834, FRANKLIN, OH 45005-5834

Mortgage

Document Number	38384
Date	Oct 8, 2019
Book Page	009349/000633
Instrument	38384

Lender

Name	2709 CTRL AVE PERSONAL TR (CT)
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jul 15, 2019
Property Address	2709 CENTRAL AVE, MIDDLETOWN, OH 45044-4851
Document Number	0000025051
Book / Page	009311 / 000606
Instrument Date	Jul 10, 2019
Instrument	25051
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$162.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3481 S DIXIE HWY #311 MIDDLETOWN OH 450055717, 311, MIDDLETOWN, OH 45005-5717
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2709 Central Ave was $3,532, up 1.9% from the year before.

Source: Butler County assessment roll, as of December 30, 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	$3,532.00 (+1.87%)	$67,130 Land $8,590 Building $58,540	$191,810 Land $24,550 Building $167,260
2024	$3,467.00 (+0.61%)
2023	$3,446.00 (+30.14%)	$67,130 (+47.28%) Land $8,590 Building $58,540	$191,810 Land $24,550 Building $167,260
2022	$2,648.00	$45,580 Land $8,590 Building $36,990
2020			$130,240 Land $24,550 Building $105,690

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

FEMA maps place 2709 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

The area around 2709 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 359 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: Verizon.

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