412 Franklin St, Middletown, OH 45042 Property Records

Butler County property record for 412 Franklin St, Middletown, OH 45042

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 955 sqft · built 1900
Lot Size	0.162 acres (7,035 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2022)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`Q6532-037-000-032`

Property Details

APN / Parcel Number

Primary APN	`Q6532-037-000-032`
Alternative APNs	`0009400` `57430` `57886`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	955 sqft Living Area
Gross Area	1,059 sqft
1st Floor Area	955 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2020
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	7,035 sqft (0.162 acres)
Lot Dimensions	145 ft deep x 52 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 FRANKLIN ST
City	MIDDLETOWN
State	OH
Zip	45042-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6981 ENT
Legal Subdivision	MIDDLETOWN
Legal Lot Number	6981
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	3
Census Block	3001
Census Tract	12700

Owner

Source: Butler County assessment roll, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jun 9, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 8, 2020	Deed of Trust, Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	202241973
Deed Book / Page	9902 / 422
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Sep 28, 2022
Property Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230
Document Number	0000041973
Book / Page	9902 / 422
Instrument Date	Sep 23, 2022
Instrument	2022-00041973
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230

Mortgage

Document Number	0000041974
Date	Sep 28, 2022
Book Page	9902/423
Instrument	2022-00041974

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jun 9, 2021
Property Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230
Document Number	0000033352
Book / Page	9666 / 1417
Instrument Date	May 27, 2021
Instrument	2021-00033352
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230

Mortgage

Document Number	0096661420
Date	Jun 9, 2021
Instrument	9666/1420

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 FRANKLIN ST, MIDDLETOWN, OH 45042-3230

Mortgage

Document Number	0000040399
Date	Sep 8, 2020
Book Page	9503/39
Instrument	2020-00040399

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	14455

Agreement

Amount	Amount Recorded
Term	47 Months
Due	Aug 28, 2024

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,122.00 (+1.82%)	$40,590 (-) Land $7,880 Building $32,710	$115,970 (-) Land $22,510 Building $93,460
2023	$2,084.00 (+29.44%)	$40,590 (+46.43%) Land $7,880 Building $32,710	$115,970 (+46.45%) Land $22,510 Building $93,460
2022	$1,610.00	$27,720 Land $7,880 Building $19,840
2020			$79,190 Land $22,510 Building $56,680

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 May 31, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLETOWN CITY PWS serves 51,229 people · EPA ID OH0901712
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 615 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: T-Mobile USA, Verizon.

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