3430 Central Ave, Middletown, OH 45044 Property Records

Butler County property record for 3430 Central Ave, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,016 sqft · built 1965
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Owner Names on File
Last Sale	$260,000 (Jan 2014)
Tax Bill	$6,573 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`Q6541-017.000-090`

Property Details

APN / Parcel Number

Primary APN	`Q6541-017.000-090`
Alternative APNs	`0003500` `501274` `505351`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,016 sqft Living Area
Gross Area	1,856 sqft
1st Floor Area	928 sqft
Basement Area	749 sqft
Finished Basement	749 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	250 ft deep x 140 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	656 sqft
Patio Area	920 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0003500
Old Parcel Number	Q6541017.000090
Street Address	3430 CENTRAL AVE
City	MIDDLETOWN
State	OH
Zip	45044-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17032 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	17032
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1007
Census Tract	13300

Owner

The current owner of 3430 Central Ave bought it in January 2014.

Source: Butler County records, as of March 11, 2026

Owner of Record	2 Owner Names on File
Mailing Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Occupancy	Owner Occupied

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
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Apr 4, 2023	Transfer on Death Deed, Transfer
Nov 3, 2017	Deed of Trust, Mortgage UNION SAVINGS BANK
Mar 2, 2020	Deed of Trust, Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2014 · Amount on File
Deed Sale	Jan 6, 2014 · Amount on File
Prior Sale	Oct 8, 1999 · Amount on File
Deed Document Number	0000000483
Deed Book / Page	008660 / 002326
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072629
Date	Dec 22, 2021
Book Page	9782/1483
Instrument	2021-00072629

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BUTLER OH
Recording Date	Apr 4, 2023
Property Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Document Number	0000009776
Book / Page	9958 / 1901
Instrument Date	Mar 20, 2023
Instrument	2023-00009776
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043908
Date	Nov 3, 2017
Book Page	9097/1740
Instrument	2017-00043908

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2032

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	3430 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009001
Date	Mar 2, 2020
Book Page	9408/516
Instrument	2020-00009001

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3430 Central Ave was $6,573.

Source: Butler County assessment roll, as of August 1, 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	$6,573.00	$124,830 Land $21,440 Building $103,390	$356,660 Land $61,250 Building $295,410
2023	$6,414.00 (+18.41%)	$124,830 (+34.04%) Land $21,440 Building $103,390	$356,660 Land $61,250 Building $295,410
2022	$5,417.00	$93,130 Land $21,440 Building $71,690
2020			$266,080 Land $61,250 Building $204,830

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 3430 Central Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3430 Central Ave 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 97% of the US · lower than 85% 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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