3440 Central Ave, Middletown, OH 45044 Property Records

Butler County property record for 3440 Central Ave, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,498 sqft · built 1994
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on Record
Tax Bill	$4,080 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`Q6541-017.000-091`

Property Details

APN / Parcel Number

Primary APN	`Q6541-017.000-091`
Alternative APNs	`0003400` `58309` `58825`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,498 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Colonial
Exterior Material	Combination
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 95 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0003400
Old Parcel Number	Q6541017.000091
Street Address	3440 CENTRAL AVE
City	MIDDLETOWN
State	OH
Zip	45044-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17033 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	17033
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1007
Census Tract	13300

Owner

Source: Butler County records, as of March 11, 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3440 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 20, 2024
Transfer Doc	0000030775
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	3440 CENTRAL AVE, MIDDLETOWN, OH 45044-4942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045893
Date	Nov 22, 2019
Book Page	9370/0691
Instrument	2019-00045893

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,080.00 (-10.39%) Homeowner's exemption	$97,860 (-) Land $11,240 Building $86,620	$279,590 (-) Land $32,110 Building $247,480
2023	$4,553.00 (+20.9%) Homeowner's exemption	$97,860 (+33.02%) Land $11,240 Building $86,620	$279,590 (+33.02%) Land $32,110 Building $247,480
2022	$3,766.00 Homeowner's exemption	$73,570 Land $11,240 Building $62,330
2020			$210,190 Land $32,110 Building $178,080

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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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