351 Cincinnati St, Franklin, IN 46131 Property Records

Johnson County property record for 351 Cincinnati St, Franklin, IN 46131

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 765 sqft · built 1940
Lot Size	0.094 acres (4,095 sqft)
Owner	Individual Name on File
Last Sale	$173,448 (Jan 2026)
Tax Bill	$1,672 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2026 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`51001424011/00`

Property Details

APN / Parcel Number

Primary APN	`51001424011/00`
Alternative APNs	`41-08-14-013-018.000-009` `00001085519`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	765 sqft Living Area
1st Floor Area	765 sqft
Attic	Attic
Attic Area	1,530 sqft
Family Room	Family Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	60 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	00001085519
Street Address	351 CINCINNATI ST
City	FRANKLIN
State	IN
Zip	46131-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON & OYLER ADD PT LOT 130 & LOT 131 MP FRANKLIN COMMUNI
Legal Subdivision	HAMILTON & OYLER ADD
Legal Lot Number	130,131
Jurisdiction	JOHNSON IN
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2020
Census Tract	611000

Owner

351 Cincinnati St is owned and occupied by an individual who bought it in January 2026.

Source: Johnson County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MTG CORP
Jan 21, 2026	Warranty Deed, Transfer · FHA Mortgage EMM LOANS LLC
Jan 21, 2026	Warranty Deed, Transfer · FHA Mortgage EMM LOANS LLC
Mar 24, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 26, 2021	Warranty Deed, Transfer
Jun 4, 2018	Warranty Deed, Transfer
Jul 20, 2015	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Mar 24, 2023 · Amount on File
Deed Document Number	20261527
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON IN
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025021032
Date	Oct 16, 2025
Instrument	2025-021032

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Jan 21, 2026
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2026001527
Map Reference	PB A PG 184-185
Instrument Date	Jan 15, 2026
Instrument	2026-001527
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	FRANKLIN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414

Mortgage

Document Number	2026001528
Date	Jan 21, 2026
Instrument	2026-001528

Lender

Name	EMM LOANS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Jan 21, 2026
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2026001527
Map Reference	PB A PG 184-185
Instrument Date	Jan 15, 2026
Instrument	2026-001527
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	FRANKLIN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414

Mortgage

Document Number	2026001528
Date	Jan 21, 2026
Instrument	2026-001528

Lender

Name	EMM LOANS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Mar 24, 2023
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2023004163
Map Reference	PB A PG 184-185
Instrument Date	Mar 22, 2023
Instrument	2023-004163
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	QUALITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414

Mortgage

Document Number	2023004164
Date	Mar 24, 2023
Instrument	2023-004164

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Aug 26, 2021
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2021025630
Map Reference	PB A PG 184-185
Instrument Date	Jul 28, 2021
Instrument	2021-025630
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 E PEARL ST, GREENWOOD, IN 46143-1348

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Jun 4, 2018
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2018011705
Instrument Date	May 11, 2018
Instrument	2018-011705
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 PLEASANT DR, NEW WHITELAND, IN 46184-1318

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Jul 20, 2015
Property Address	351 CINCINNATI ST, FRANKLIN, IN 46131-1414
Document Number	2015016080
Instrument Date	Jun 26, 2015
Instrument	2015-016080
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 CALLE VISTA DEL S, SAN CLEMENTE, CA 92673

Tax Assessment & Valuation

The 2025 property tax bill for 351 Cincinnati St was $1,672 with a homeowner's exemption, up 8.9% from the year before.

Source: Johnson County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Johnson County
County Subdivision	Franklin Township
Municipality	Franklin City
Unified School District	Franklin Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,672.00 (+8.93%) Homeowner's exemption	$169,100 Land $9,300 Building $159,800	$169,100 Land $9,300 Building $159,800
2024	$1,535.00 (+158.85%)
2023	$593.00 (-62.8%)	$81,800 (+14.73%) Land $9,600 Building $72,200	$81,800 (+14.73%) Land $9,600 Building $72,200
2022	$1,594.00	$71,300 Land $9,600 Building $61,700	$71,300 Land $9,600 Building $61,700

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 351 Cincinnati St in Zone X, an area of moderate flood risk, though there have been 8 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1979–2009)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Aug 2009 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 4 claims

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

The area around 351 Cincinnati 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDIANA AMERICAN WATER - JOHNSON COUNTY private · serves 86,813 people · EPA ID IN5241005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, JC Fiber.

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