Franklin County property record for 4094 Garrard Dr, Obetz, OH 43207
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,276 sqft · built 2000 |
| Lot Size | 0.179 acres (7,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Dec 2019) |
| Tax Bill | $4,572 (2024) |
| Deeds & Mortgages | Nov 2022 Line of Credit Nov 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 152-001620 |
| Primary APN | 152-001620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,276 sqft Living Area |
| 1st Floor Area | 571 sqft |
| 2nd Floor Area | 992 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 7,799 sqft (0.179 acres) |
| Lot Dimensions | 122 ft deep x 65 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 15200162080 |
|---|---|
| Street Address | 4094 GARRARD DR |
| City | OBETZ |
| State | OH |
| Zip | 43207-4389 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARRARD DRIVE MULBERRY GROVE SEC 1 PART 2 LOT 66 |
| Legal Subdivision | MULBERRY GROVE SEC 1 PT 2 |
| Legal Lot Number | 66 |
| Jurisdiction | FRANKLIN OH |
| Township / Civil Division | HAMILTON |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 9520 |
4094 Garrard Dr is owned and occupied by two individuals who bought it in December 2019.
Source: Franklin County records, as of February 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK |
| Nov 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 10, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2019 · Amount on File |
| Deed Sale | Dec 10, 2019 · Amount on File |
| Prior Sale | Dec 11, 2014 · Amount on File |
| Deed Document Number | 201912100166077 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| Investor | Possibly a Property Investor |
| Document Number | 0000151823 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 202211010151823 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4097 GARRARD DR, OBETZ, OH 43207-4388 |
| Document Number | 0000115635 |
|---|---|
| Date | Nov 4, 2024 |
| Instrument | 202411040115635 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 311 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000206003 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 202012280206003 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Dec 10, 2019 |
| Property Address | 4094 GARRARD DR, OBETZ, OH 43207-4389 |
| Document Number | 0000166077 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 166077 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2019 |
| Title Company | PM TITLE COMPANY, PM TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4094 GARRARD DR OBETZ OH 432074389, OBETZ, OH 43207-4389 |
| Document Number | 166078 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 166078 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 9, 2049 |
Source: Franklin County assessment roll, as of August 1, 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Franklin County |
| County Subdivision | Hamilton Township |
| Municipality | Obetz City |
| Unified School District | Hamilton Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $4,572.00 (+0.99%) Homeowner's exemption | $97,450 (-) Land $23,280 Building $74,170 | |
| 2023 | $4,527.00 (+21.6%) Homeowner's exemption | $97,450 (+43.58%) Land $23,280 Building $74,170 | $278,400 Land $66,500 Building $211,900 |
| 2022 | $3,723.00 Homeowner's exemption | $67,870 Land $5,740 Building $62,130 | |
| 2020 | $193,900 Land $16,400 Building $177,500 |
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 4094 Garrard Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| 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.
The area around 4094 Garrard Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OBETZ VILLAGE PWS serves 3,167 people · EPA ID OH2502212 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Copper | 1.44 mg/L (2018) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 7 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 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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