3 River St, Franklin, OH 45005 Property Records

Warren County property record for 3 River St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 1901
Lot Size	0.14 acres (6,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (May 2008)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`04-32-329-006-0`

Property Details

APN / Parcel Number

Primary APN	`04-32-329-006-0`
Alternative APNs	`0432329006` `432329006` `2102838`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	1,709 sqft
1st Floor Area	1,474 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,080 sqft (0.14 acres)
Lot Dimensions	160 ft deep x 38 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	1,071 sqft
Canopy	128 sqft
Lean-To	624 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2102838
Street Address	3 RIVER ST
City	FRANKLIN
State	OH
Zip	45005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT 313 PT
Legal Range	5
Legal Township	2
Legal Section	32
Legal Subdivision	OUT LOT
Legal Block	838
Legal Lot Number	313
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2018
Census Tract	32501

Owner

Source: Warren County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 S RIVER ST, FRANKLIN, OH 45005-2235
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Intrafamily Transfer, Transfer
Feb 3, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Apr 26, 2022	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2008 · Amount on Record
Deed Sale	May 6, 2008 · Amount on Record
Prior Sale	Aug 30, 1982
Deed Document Number	2008692851
Deed Book / Page	4674 / 407
Prior Transfer Date	Apr 29, 2008
Prior Transfer Doc	0046740407
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WARREN OH
Recording Date	Sep 6, 2023
Property Address	3 N RIVER ST, FRANKLIN, OH 45005-1639
Document Number	0000018994
Map Reference	MB 2 PG 17-37
Instrument Date	Apr 11, 2023
Instrument	2023-018994
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 BRENTWOOD STREET, MIDDLETOWN, OH 45044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 N RIVER ST, FRANKLIN, OH 45005-1639
Investor	Possibly a Property Investor

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3 N RIVER ST, FRANKLIN, OH 45005-1639
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003944
Date	Feb 3, 2017
Instrument	2017-003944

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2047

April 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	WARREN OH
Recording Date	Apr 26, 2022
Property Address	3 N RIVER ST, FRANKLIN, OH 45005-1639
Document Number	0000013965
Map Reference	MB 2 PG 17-37
Instrument Date	Apr 11, 2022
Instrument	2022-013965
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 BRENTWOOD ST, MIDDLETOWN, OH 45044-6369

Tax Assessment & Valuation

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	$2,081.00 (-13.22%)	$44,410 (+27.99%) Land $6,170 Building $38,240	$126,890 (+27.99%) Land $17,640 Building $109,250
2024	$2,398.00 (+21.36%)
2023	$1,976.00 (+12.02%)	$34,699 (-) Land $3,500 Building $31,199
2022	$1,764.00	$34,699 Land $3,500 Building $31,199	$99,140 (-) Land $10,000 Building $89,140
2021			$99,140 Land $10,000 Building $89,140

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

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · river or lake flooding

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 96% of the US · lower than 81% 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 261 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
Verizon Fixed Wireless	300 / 20

May also be available: altafiber Network Solutions, T-Mobile.

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