3963 Highgate Ct, Franklin, OH 45005 Property Records

Warren County property record for 3963 Highgate Ct, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,768 sqft · built 1984
Lot Size	0.242 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Dec 2003)
Tax Bill	$3,708 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-27-202-016-0`

Property Details

APN / Parcel Number

Primary APN	`08-27-202-016-0`
Alternative APNs	`0827202016` `827202016` `1432362`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,768 sqft Living Area
Gross Area	2,296 sqft
1st Floor Area	27 sqft
Upper Floors Area	498 sqft
Basement Area	248 sqft
Finished Basement	248 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Combination
Construction Type	Frame
Lot Area	10,500 sqft (0.242 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Open Porch
Porch Area	88 sqft
Deck Area	36 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1432362
Street Address	3963 HIGHGATE CT
City	FRANKLIN
State	OH
Zip	45005-4911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	KNOLLBROOK MEADOWS 3 LOT 122
Legal Subdivision	KNOLLBROOK MEADOWS 3
Legal Block	362
Legal Lot Number	122
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2011
Census Tract	30700

Owner

Source: Warren County records, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3963 HIGHGATE CT, FRANKLIN, OH 45005-4911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RIVER VALLEY CU INC
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 10, 2019	Deed of Trust, Mortgage · Line of Credit KH NTWK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2003 · Amount on Record
Deed Sale	Dec 19, 2003 · Amount on Record
Prior Sale	Nov 5, 1992 · Amount on Record
Deed Document Number	2003449693
Deed Book / Page	3384 / 338
Last Transfer Date	Jul 17, 2009
Transfer Doc	0049260861
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3963 HIGHGATE CT, FRANKLIN, OH 45005-4911
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3963 HIGHGATE CT, FRANKLIN, OH 45005-4911

Mortgage

Document Number	0000001718
Date	Jan 21, 2026
Instrument	2026-001718

Lender

Name	RIVER VALLEY CU INC
Type	Credit Union
Address	MIAMISBURG, OH 45342

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 25, 2041

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3963 HIGHGATE CT, FRANKLIN, OH 45005-4911
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021043448
Date	Sep 24, 2021
Instrument	2021-043448

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	43241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3963 HIGHGATE CT, FRANKLIN, OH 45005-4911
Document Number	0000015819
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3963 HIGHGATE CT FRANKLIN OH 450054911, FRANKLIN, OH 45005-4911

Mortgage

Document Number	0000015819
Date	Jun 17, 2019
Instrument	15819

Lender

Name	KH NTWK CU
Type	Credit Union
Address	DAYTON, OH 45459

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 16, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Franklin Township
Unified School District	Franklin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,708.00 (-1.07%)	$83,560 (+20.55%) Land $10,480 Building $73,080	$238,730 (+20.55%) Land $29,930 Building $208,800
2024	$3,748.00 (+8.57%)
2023	$3,452.00 (+4.32%) Homeowner's exemption	$69,314 (-) Land $8,589 Building $60,725
2022	$3,309.00 Homeowner's exemption	$69,314 Land $8,589 Building $60,725	$198,040 (-) Land $24,540 Building $173,500
2021			$198,040 Land $24,540 Building $173,500

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 June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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