3971 Pennyroyal Rd, Franklin, OH 45005 Property Records

Warren County property record for 3971 Pennyroyal Rd, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 906 sqft · built 1952
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Feb 2024)
Tax Bill	$1,634 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-21-303-001-0`

Property Details

APN / Parcel Number

Primary APN	`04-21-303-001-0`
Alternative APNs	`0421303001` `421303001` `1404849`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	1,194 sqft
1st Floor Area	906 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	119 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1404849
Street Address	3971 PENNYROYAL RD
City	FRANKLIN
State	OH
Zip	45005-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PENNYROYAL
Legal Range	5
Legal Township	2
Legal Section	21
Legal Subdivision	PENNYROYAL
Legal Block	849
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1013
Census Tract	30501

Owner

Source: Warren County records, as of April 3, 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	2 Individual Names on File
Mailing Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Sep 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage KENTWOOD MORTGAGE INC
Mar 19, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 21, 2024	Fiduciary Deed, Transfer PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2024 · Amount on File
Deed Sale	Feb 21, 2024 · Amount on File
Prior Sale	Feb 1, 2016 · Amount on File
Deed Document Number	20243555
Last Transfer Date	Mar 10, 2026
Transfer Doc	0000007134
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024

Mortgage

Document Number	0000035290
Date	Nov 22, 2022
Instrument	2022-035290

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	279 Months
Due	Feb 1, 2046

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024

Mortgage

Document Number	0000019676
Date	Sep 5, 2024
Instrument	2024-019676

Lender

Name	KENTWOOD MORTGAGE INC
Type	Mortgage Company
Address	SPRINGBORO, OH 45066

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WARREN OH
Recording Date	Mar 19, 2026
Property Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024
Document Number	0000007134
Instrument Date	Mar 10, 2026
Instrument	2026-007134
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024

Mortgage

Document Number	0000007135
Date	Mar 19, 2026
Instrument	2026-007135

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	WARREN OH
Recording Date	Feb 21, 2024
Property Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024
Document Number	0000003555
Instrument Date	Feb 15, 2024
Instrument	2024-003555
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 PENNYROYAL RD, FRANKLIN, OH 45005-1024

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	$1,634.00 (-1.27%)	$37,410 (+29.86%) Land $8,660 Building $28,750	$106,890 (+29.86%) Land $24,750 Building $82,140
2024	$1,655.00 (+16.8%)
2023	$1,417.00 (+3.28%) Homeowner's exemption	$28,809 (-) Land $5,810 Building $22,999
2022	$1,372.00 Homeowner's exemption	$28,809 Land $5,810 Building $22,999	$82,310 (-) Land $16,600 Building $65,710
2021			$82,310 Land $16,600 Building $65,710

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

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 Policies	1 in force

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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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