Warren County property record for 320 Lake Ave, Franklin, OH 45005
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,701 sqft · built 1840 |
| Lot Size | 0.164 acres (6,825 sqft) |
| Owner | Individual Name on File |
| Last Sale | $133,000 (Aug 2017) |
| Tax Bill | $3,924 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-04-278-001-0 |
| Primary APN | 02-04-278-001-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,701 sqft Living Area |
| 1st Floor Area | 48 sqft |
| 2nd Floor Area | 1,129 sqft |
| Attic | Attic |
| Attic Area | 1,129 sqft |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,825 sqft (0.164 acres) |
| Lot Dimensions | 91 ft deep x 75 ft wide |
| Porch | Open Porch |
| Porch Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2101483 |
|---|---|
| Street Address | 320 LAKE AVE |
| City | FRANKLIN |
| State | OH |
| Zip | 45005-3519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MACKINAW ADD. LOT PT.7 |
| Legal Subdivision | MACKINAW ADD. |
| Legal Block | 483 |
| Legal Lot Number | 7 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 30200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Mackinaw Historic District listed 1980 · 40 contributing resources · NRIS 80003242 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
320 Lake Ave is owned and occupied by an individual who bought it in August 2017.
Source: Warren County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jun 14, 2021 | Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Aug 1, 2017 | Warranty Deed, Transfer TERRA TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2017 · Amount on File |
| Deed Sale | Aug 1, 2017 · Amount on File |
| Prior Sale | Dec 2, 2010 · Amount on File |
| Deed Document Number | 201723183 |
| Prior Transfer Date | Apr 21, 1988 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
| Document Number | 0000002299 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | 2023-002299 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | WAYNE, PA 19087 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 2021027317 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021-027317 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Aug 1, 2017 |
| Property Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
| Document Number | 0000023183 |
| Map Reference | PL 1 PG 199 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 2017-023183 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Title Company | TERRA TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 LAKE AVE, FRANKLIN, OH 45005-3519 |
The 2025 property tax bill for 320 Lake Ave was $3,924, up 8% from the year before.
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Franklin Township |
| Municipality | Franklin City |
| Unified School District | Franklin City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,924.00 (+8.04%) | $70,600 Land $13,280 Building $57,320 | $201,700 Land $37,940 Building $163,760 |
| 2024 | $3,632.00 (+18.81%) | ||
| 2023 | $3,057.00 (+8.91%) Homeowner's exemption | $55,297 (-) Land $8,789 Building $46,508 | |
| 2022 | $2,807.00 Homeowner's exemption | $55,297 Land $8,789 Building $46,508 | $157,990 (-) Land $25,110 Building $132,880 |
| 2021 | $157,990 Land $25,110 Building $132,880 |
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.
FEMA maps place 320 Lake Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1991.
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 |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 13 (1991–2018) |
| Claims Outside the SFHA | 1 of 13 |
| Most Recent Claim | Apr 2018 · river or lake flooding |
| Claims by Event |
|
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 320 Lake 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 242 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 |
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