Butler County property record for 3103 Locust St, Middletown, OH 45044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1956 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Mar 2026) |
| Tax Bill | $1,592 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | C1720-084-000-036 |
| Primary APN | C1720-084-000-036 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 576 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 178 ft deep x 56 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3103 LOCUST ST |
|---|---|
| City | MIDDLETOWN |
| State | OH |
| Zip | 45044-7406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 30 ENT LOCUST GROVE |
| Legal Subdivision | LOCUST GROVE |
| Jurisdiction | BUTLER OH |
| Township / Civil Division | LEMON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 14000 |
3103 Locust St is owned and occupied by two individuals who bought it in March 2026.
Source: Butler County records, as of June 30, 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 File |
|---|---|
| Mailing Address | 3103 LOCUST ST, MIDDLETOWN, OH 45044-7406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2026 · Amount on File |
| Deed Sale | Mar 11, 2026 · Amount on File |
| Prior Sale | May 1, 1992 · Amount on File |
| Deed Document Number | 20268177 |
| Deed Book / Page | 10328 / 1751 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUTLER OH |
| Recording Date | Mar 11, 2026 |
| Property Address | 3103 LOCUST ST, MIDDLETOWN, OH 45044-7406 |
| Document Number | 0000008177 |
| Book / Page | 10328 / 1751 |
| Map Reference | ENV 282 PG C |
| Instrument Date | Mar 3, 2026 |
| Instrument | 2026-00008177 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | HOME SERVICES TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3103 LOCUST ST, MIDDLETOWN, OH 45044-7406 |
| Document Number | 0103281753 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 10328/1753 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Number | 0000008179 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 10328/1774 |
| Instrument | 2026-00008179 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ORANGE, CA 92868 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2036 |
The 2025 property tax bill for 3103 Locust St was $1,592, up 8.3% from the year before.
Source: Butler County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Butler County |
| County Subdivision | Lemon Township |
| Unified School District | Middletown City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,592.00 (+8.3%) | $23,060 Land $3,960 Building $19,100 | $65,880 Land $11,300 Building $54,580 |
| 2024 | $1,470.00 (+24.37%) | ||
| 2023 | $1,182.00 (+0.34%) | $23,060 (+38.08%) Land $3,960 Building $19,100 | $65,880 Land $11,300 Building $54,580 |
| 2022 | $1,178.00 | $16,700 Land $3,960 Building $12,740 | |
| 2020 | $47,690 Land $11,300 Building $36,390 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3103 Locust St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AH, within 500 ft |
| 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.
The area around 3103 Locust St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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