3202 Morgan St, Middletown, OH 45044 Property Records

Butler County property record for 3202 Morgan St, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1949
Lot Size	0.197 acres (8,564 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Dec 2025)
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`Q6542-119-000-014`

Property Details

APN / Parcel Number

Primary APN	`Q6542-119-000-014`
Alternative APNs	`0003000` `187516` `189091`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	968 sqft
1st Floor Area	840 sqft
Basement Area	420 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,564 sqft (0.197 acres)
Lot Dimensions	144 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces
Porch	Stoop
Porch Area	128 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3202 MORGAN ST
City	MIDDLETOWN
State	OH
Zip	45044-7665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	19700 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	19730
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	4
Census Block	4017
Census Tract	13900

Owner

3202 Morgan St is owned and occupied by two individuals who bought it in December 2025.

Source: Butler County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3202 MORGAN ST, MIDDLETOWN, OH 45044-7665
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Oct 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PEOPLES BANK
Dec 12, 2025	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Nov 30, 2004 · Amount on File
Deed Document Number	202543662
Deed Book / Page	10298 / 1569
Prior Transfer Date	Sep 30, 1998
Prior Transfer Doc	0000074446
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	3202 MORGAN ST, MIDDLETOWN, OH 45044-7665
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 MORGAN ST, MIDDLETOWN, OH 45044-7665

Mortgage

Document Number	0000033075
Date	Oct 17, 2023
Book Page	10023/1738
Instrument	2023-00033075

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 10, 2033

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Dec 12, 2025
Property Address	3202 MORGAN ST, MIDDLETOWN, OH 45044-7665
Document Number	0000043662
Book / Page	10298 / 1569
Instrument Date	Nov 26, 2025
Instrument	2025-00043662
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	PT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0102981572
Date	Dec 12, 2025
Instrument	10298/1572

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Mortgage

Document Number	0000043664
Date	Dec 12, 2025
Book Page	10298/1588
Instrument	2025-00043664

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3202 Morgan St was $1,258, up 0.6% 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	$1,258.00 (+0.64%)	$24,070 (-) Land $5,170 Building $18,900	$68,780 (-) Land $14,770 Building $54,010
2024	$1,250.00 (+1.21%)	$24,070 (-) Land $5,170 Building $18,900	$68,780 (-) Land $14,770 Building $54,010
2023	$1,235.00 (+17.96%)	$24,070 (+33.57%) Land $5,170 Building $18,900	$68,780 Land $14,770 Building $54,010
2022	$1,047.00	$18,020 Land $5,170 Building $12,850
2020			$51,480 Land $14,770 Building $36,710

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3202 Morgan St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	8 (2013–2020)
Claims Outside the SFHA	5 of 8
Most Recent Claim	May 2020 · 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

Wildfire risk around 3202 Morgan 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 99.1% of the US · lower than 96% 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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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