4 S River St, Franklin, OH 45005 Property Records

Warren County property record for 4 S River St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,469 sqft · built 1878
Lot Size	0.202 acres (8,787 sqft)
Owner	2 Trust Names on File
Last Sale	$90,000 (Dec 2020)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`04-32-376-021-0`

Property Details

APN / Parcel Number

Primary APN	`04-32-376-021-0`
Alternative APNs	`04323760211` `0432376021` `432376021` `2109689`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,469 sqft Living Area
1st Floor Area	637 sqft
2nd Floor Area	416 sqft

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1878
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,787 sqft (0.202 acres)
Lot Dimensions	101 ft deep x 87 ft wide
Garage Type	Carport
Garage Area	190 sqft
Carport	Carport
Carport Area	190 sqft
Porch	Open Porch
Porch Area	273 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2109689
Street Address	4 S RIVER ST
City	FRANKLIN
State	OH
Zip	45005-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT 321-322PT
Legal Subdivision	OUT LOT
Legal Block	689
Legal Lot Number	322
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2021
Census Tract	32501

Owner

4 S River St is held in a trust since November 2022.

Source: Warren County records, as of February 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	624 ROSS CIR, MARTINEZ, CA 94553-2251
Owner Type	Company
Vesting	Trust, Family Trust

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
Jan 10, 2023	Intrafamily Transfer, Transfer
Dec 14, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST OHIO HOME FINANCE INC
Oct 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jul 24, 2017	Warranty Deed, Transfer BUCKEYE CAP INVS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Oct 18, 2017 · Amount on File
Deed Document Number	202050707
Last Transfer Date	Nov 3, 2022
Transfer Doc	0000000556
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WARREN OH
Recording Date	Jan 10, 2023
Property Address	4 S RIVER ST, FRANKLIN, OH 45005-2236
Document Number	0000000556
Map Reference	MB 2 PG 17-37
Instrument Date	Nov 3, 2022
Instrument	2023-000556
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	624 ROSS CIR, MARTINEZ, CA 94553-2251

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Dec 14, 2020
Property Address	4 S RIVER ST, FRANKLIN, OH 45005-2236
Document Number	0000050707
Map Reference	MB 2 PG 17-37
Instrument Date	Nov 19, 2020
Instrument	2020-050707
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants with Right of Survivorship
Address	624 ROSS CIR, MARTINEZ, CA 94553-2251

Mortgage

Document Number	0000050708
Date	Dec 14, 2020
Instrument	2020-050708

Lender

Name	FIRST OHIO HOME FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Oct 18, 2017
Property Address	4 S RIVER ST, FRANKLIN, OH 45005-2236
Document Number	0000031987
Instrument Date	Oct 5, 2017
Instrument	31987
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$227.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 326 GERMANTOWN OH 453270326, GERMANTOWN, OH 45327-0326

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jul 24, 2017
Property Address	4 S RIVER ST, FRANKLIN, OH 45005-2236
Document Number	0000022231
Instrument Date	Jul 14, 2017
Instrument	22231
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	FIRST CTRL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 326 GERMANTOWN OH 453270326, GERMANTOWN, OH 45327-0326

Mortgage

Document Number	22232
Date	Jul 24, 2017
Instrument	22232

Lender

Name	BUCKEYE CAP INVS LLC

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 S River St was $2,271, up 7.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,271.00 (+7.33%)	$39,380 Land $12,180 Building $27,200	$112,510 Land $34,800 Building $77,710
2024	$2,116.00 (+26.56%)
2023	$1,672.00 (+10.66%)	$29,106 (-) Land $6,906 Building $22,200
2022	$1,511.00	$29,106 Land $6,906 Building $22,201	$83,160 (-) Land $19,730 Building $63,430
2021			$83,160 Land $19,730 Building $63,430

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

FEMA maps place 4 S River St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · river or lake flooding

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

Wildfire risk around 4 S River St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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	FRANKLIN PUBLIC WATER SYSTEM private · serves 11,690 people · EPA ID OH8300412
Water Source	Groundwater
Last State Inspection	Sep 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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 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

May also be available: altafiber Network Solutions, T-Mobile.

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