4051 Union Rd, Middletown (Franklin), OH 45005 Property Records

Warren County property record for 4051 Union Rd, Middletown, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,263 sqft · built 1957
Lot Size	0.837 acres (36,460 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jun 2023)
Tax Bill	$3,107 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-04-476-004-0`

Property Details

APN / Parcel Number

Primary APN	`07-04-476-004-0`
Alternative APNs	`0704476004` `704476004` `1429175`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,263 sqft Living Area
1st Floor Area	1,263 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Exterior Material	Brick/Stone
Construction Type	Brick
Foundation Type	Concrete
Lot Area	36,460 sqft (0.837 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	216 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil

Location & Zoning

Account Number	1429175
Old Parcel Number	0704476004
Street Address	4051 UNION RD
City	MIDDLETOWN
State	OH
Zip	45005-5222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 -2-4 .8370 AC.
Legal Range	04
Legal Township	02
Legal Section	04
Legal Block	476
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1006
Census Tract	30700

Owner

4051 Union Rd is owned and occupied by an individual who bought it in June 2023.

Source: Warren County records, as of February 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4051 UNION RD, MIDDLETOWN, OH 45005-5222
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer · FHA Mortgage EQUITY RESOURCES INC
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BK NATL ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Prior Sale	Aug 15, 1996 · Amount on File
Deed Document Number	0000011391
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jun 9, 2023
Property Address	4051 UNION RD, MIDDLETOWN, OH 45005-5222
Document Number	0000011391
Instrument Date	Jun 7, 2023
Instrument	2023-011391
Transaction Type	Transfer
Record Updated	May 14, 2024

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	4051 UNION RD, MIDDLETOWN, OH 45005-5222

Mortgage

Document Number	0000011392
Date	Jun 9, 2023
Instrument	2023-011392

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4051 UNION RD, MIDDLETOWN, OH 45005-5222
Document Number	0000052747
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4051 UNION RD MIDDLETOWN OH 450055222, MIDDLETOWN, OH 45005-5222

Mortgage

Document Number	0000052747
Date	Dec 28, 2020
Instrument	52747

Lender

Name	PNC BK
Type	Bank
Address	MIDDLETOWN, OH 45005

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4051 UNION RD, MIDDLETOWN, OH 45005-5222
Document Number	0000004527
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4051 UNION RD MIDDLETOWN OH 450055222, MIDDLETOWN, OH 45005-5222

Mortgage

Document Number	0000004527
Date	Feb 22, 2019
Instrument	4527

Lender

Name	PNC BK NATL ASSN
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4051 Union Rd was $3,107.

Source: Warren County assessment roll, as of August 1, 2025

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	$3,107.00	$71,421 Land $18,526 Building $52,895	$204,060 Land $52,930 Building $151,130
2023	$2,800.00 (+2.71%) Homeowner's exemption	$57,236 (-) Land $10,357 Building $46,879
2022	$2,726.00 Homeowner's exemption	$57,236 Land $10,357 Building $46,879	$163,530 (-) Land $29,590 Building $133,940
2021			$163,530 Land $29,590 Building $133,940

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 4051 Union Rd in Zone X, an area of minimal flood risk.

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

The area around 4051 Union Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 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

May also be available: Verizon.

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