281 Hemlock St, Franklin, OH 45005 Property Records

Warren County property record for 281 Hemlock St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,800 sqft · built 1994
Lot Size	0.287 acres (12,525 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Feb 2025)
Tax Bill	$5,475 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-171-014-0`

Property Details

APN / Parcel Number

Primary APN	`04-26-171-014-0`
Alternative APNs	`0426171014` `426171014` `2138166`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,800 sqft Living Area
2nd Floor Area	900 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Lot Area	12,525 sqft
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft
Deck Area	406 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2138166
Old Parcel Number	0426171014
Street Address	281 HEMLOCK ST
City	FRANKLIN
State	OH
Zip	45005-1583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARPLAND 16 LOT# 341
Legal Subdivision	HARPLAND 16
Legal Block	171
Legal Lot Number	341
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1012
Census Tract	32501

Owner

281 Hemlock St is owned and occupied by an individual who bought it in February 2025.

Source: Warren County records, as of February 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	281 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
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	0000004321
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	281 HEMLOCK ST, FRANKLIN, OH 45005-1583
Transaction Type	Mortgage
Record Updated	Jun 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021018595
Date	Apr 21, 2021
Instrument	2021-018595

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Apr 10, 2018
Property Address	281 HEMLOCK ST, FRANKLIN, OH 45005-1583
Document Number	0000009789
Instrument Date	Mar 16, 2018
Instrument	9789
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 HEMLOCK ST FRANKLIN OH 450051583, FRANKLIN, OH 45005-1583

Mortgage

Document Number	9790
Date	Apr 10, 2018
Instrument	9790

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 281 Hemlock St was $5,475.

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

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	$5,475.00	$105,809 Land $24,500 Building $81,309	$302,310 Land $70,000 Building $232,310
2023	$3,704.00 (+3.32%) Homeowner's exemption	$70,620 (-) Land $12,915 Building $57,705
2022	$3,585.00 Homeowner's exemption	$70,620 Land $12,915 Building $57,705	$201,770 (-) Land $36,900 Building $164,870
2021			$201,770 Land $36,900 Building $164,870

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 281 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 281 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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