Warren County property record for 40 W Mill St, Springboro, OH 45066
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,176 sqft · built 1850 |
| Lot Size | 0.169 acres (7,450 sqft) |
| Owner | Company Name on File |
| Last Sale | $240,000 (Sep 2022) |
| Tax Bill | $2,927 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-13-428-006-0 |
| Primary APN | 04-13-428-006-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| 1st Floor Area | 64 sqft |
| 2nd Floor Area | 1,056 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,450 sqft (0.169 acres) |
| Lot Dimensions | 149 ft deep x 50 ft wide |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 172 sqft |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 513423 |
|---|---|
| Street Address | 40 MILL ST |
| City | SPRINGBORO |
| State | OH |
| Zip | 45066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOHNSONS ADD. LOT 9 |
| Legal Subdivision | JOHNSONS ADD. |
| Legal Block | 23 |
| Legal Lot Number | 9 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 30503 |
40 W Mill St is owned by a company that bought it in September 2022.
Source: Warren County records, as of February 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 705 MARY LANE EXT, SOUTH LEBANON, OH 45065-1398 |
| Owner Type | Company |
| Vesting | Company |
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 12, 2022 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Jul 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage T2 FINANCIAL LLC |
| Dec 11, 2017 | Deed, Transfer · FHA Mortgage FIRST HOME BANK |
| Dec 11, 2017 | Quit Claim Deed, Transfer CS TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2022 · Amount on File |
| Deed Sale | Sep 12, 2022 · Amount on File |
| Prior Sale | Dec 11, 2017 · Amount on File |
| Deed Document Number | 202228851 |
| Prior Transfer Date | Sep 9, 2022 |
| Prior Transfer Doc | 0000028903 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Sep 12, 2022 |
| Property Address | 40 W MILL ST, SPRINGBORO, OH 45066-1440 |
| Document Number | 0000028851 |
| Map Reference | MB 22 PG 675 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 2022-028851 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 40 W MILL ST, SPRINGBORO, OH 45066-1440 |
| Document Number | 0000028852 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 2022-028852 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 40 E MILL ST, SPRINGBORO, OH 45066-1426 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000025549 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 2020-025549 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WESTERVILLE, OH 43082 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Dec 11, 2017 |
| Property Address | 40 E MILL ST, SPRINGBORO, OH 45066-1426 |
| Document Number | 0000037946 |
| Map Reference | DB 22 PG675 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2017-037946 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $506.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 W MILL ST, SPRINGBORO, OH 45066-1440 |
| Document Number | 0000037947 |
|---|---|
| Date | Dec 11, 2017 |
| Instrument | 2017-037947 |
| Name | FIRST HOME BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Dec 11, 2017 |
| Property Address | 40 E MILL ST, SPRINGBORO, OH 45066-1426 |
| Document Number | 0000037945 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 37945 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | CS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 W MILL ST SPRINGBORO OH 450661440, SPRINGBORO, OH 45066-1440 |
The 2025 property tax bill for 40 W Mill St was $2,927, down 0.2% from the year before.
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Clear Creek Township |
| Municipality | Springboro City |
| Unified School District | Springboro Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,927.00 (-0.2%) | $75,110 Land $16,800 Building $58,310 | $214,590 Land $48,000 Building $166,590 |
| 2024 | $2,933.00 (+15.29%) | ||
| 2023 | $2,544.00 (+39.02%) Homeowner's exemption | $59,749 (+36.92%) Land $12,390 Building $47,359 | |
| 2022 | $1,830.00 Homeowner's exemption | $43,638 Land $12,390 Building $31,248 | $170,710 (+36.92%) Land $35,400 Building $135,310 |
| 2021 | $124,680 Land $35,400 Building $89,280 |
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.
FEMA maps place 40 W Mill St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
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 | 9 in force |
| Nearby Flood Claims | 4 (1984–2024) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Feb 2024 · rainfall accumulation |
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 risk around 40 W Mill 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 99.1% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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