Butler County property record for 3706 Central Ave, Middletown, OH 45044
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 962 sqft · built 1944 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,704 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | Q6541-018-000-002 |
| Primary APN | Q6541-018-000-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 962 sqft Living Area |
| 1st Floor Area | 962 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 203 ft deep x 90 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 648 sqft |
| Porch | Open Frame Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3706 CENTRAL AVE |
|---|---|
| City | MIDDLETOWN |
| State | OH |
| Zip | 45044-5003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9698 ENT LESS N 35 FT |
| Legal Subdivision | VALLEY VIEW |
| Jurisdiction | BUTLER OH |
| Township / Civil Division | MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 13300 |
3706 Central Ave is owned by two individuals who acquired it in November 2019.
Source: Butler County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4101 NELSON RD, MIDDLETOWN, OH 45042-2876 |
| 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 |
|---|---|
| Sep 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RIVER VALLEY CU INC |
| Dec 3, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage RIVER VLY CU INC |
| Mar 22, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Nov 28, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 25, 2019 |
| Transfer Doc | 0000047303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUTLER OH |
| Property Address | 3706 CENTRAL AVE, MIDDLETOWN, OH 45044-5003 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000038713 |
|---|---|
| Date | Sep 2, 2022 |
| Book Page | 9893/922 |
| Instrument | 2022-00038713 |
| Name | RIVER VALLEY CU INC |
|---|---|
| Type | Credit Union |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.5% |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | 9.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BUTLER OH |
| Recording Date | Dec 3, 2019 |
| Property Address | 3706 CENTRAL AVE, MIDDLETOWN, OH 45044-5003 |
| Document Number | 0000047303 |
| Book / Page | 009374 / 000700 |
| Instrument Date | Nov 25, 2019 |
| Instrument | 47303 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4101 NELSON RD MIDDLETOWN OH 450422876, MIDDLETOWN, OH 45042-2876 |
| Document Number | 47304 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 009374/000702 |
| Instrument | 47304 |
| Name | RIVER VLY CU INC |
|---|---|
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 2, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BUTLER OH |
| Recording Date | Mar 22, 2019 |
| Property Address | 3706 CENTRAL AVE, MIDDLETOWN, OH 45044-5003 |
| Document Number | 0000009383 |
| Book / Page | 009268 / 001022 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 9383 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4101 NELSON RD MIDDLETOWN OH 450422876, MIDDLETOWN, OH 45042-2876 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BUTLER OH |
| Recording Date | Nov 28, 2017 |
| Property Address | 3706 CENTRAL AVE, MIDDLETOWN, OH 45044-5003 |
| Document Number | 0000047076 |
| Book / Page | 009106 / 000228 |
| Instrument Date | Sep 6, 2017 |
| Instrument | 47076 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3706 CENTRAL AVE MIDDLETOWN OH 450445003, MIDDLETOWN, OH 45044-5003 |
The 2025 property tax bill for 3706 Central Ave was $2,704.
Source: Butler County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Butler County |
| Municipality | Middletown City |
| Unified School District | Middletown City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,704.00 | $50,430 Land $12,760 Building $37,670 | $144,100 Land $36,460 Building $107,640 |
| 2023 | $2,656.00 (+15.48%) | $50,430 (+30.65%) Land $12,760 Building $37,670 | $144,100 Land $36,460 Building $107,640 |
| 2022 | $2,300.00 | $38,600 Land $12,760 Building $25,840 | |
| 2020 | $110,290 Land $36,460 Building $73,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3706 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.
The area around 3706 Central 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 343 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 |
| Starlink Satellite | 280 / 30 |
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