421 Lake Ave, Franklin, OH 45005 Property Records

Warren County property record for 421 Lake Ave, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1901
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Sep 2021)
Tax Bill	$2,192 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`02-04-235-013-0`

Property Details

APN / Parcel Number

Primary APN	`02-04-235-013-0`
Alternative APNs	`0204235013` `204235013` `2107457`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,128 sqft Living Area
Basement Area	200 sqft
Finished Basement	200 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2107457
Old Parcel Number	0204235013
Street Address	421 LAKE AVE
City	FRANKLIN
State	OH
Zip	45005-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MACKINAW ADD. LOT# 62
Legal Subdivision	MACKINAW ADD.
Legal Block	235
Legal Lot Number	62
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1017
Census Tract	30200

Owner

421 Lake Ave is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	421 LAKE AVE, FRANKLIN, OH 45005-3520
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Deed Document Number	2021039979
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Sep 2, 2021
Property Address	421 LAKE AVE, FRANKLIN, OH 45005-3520
Document Number	2021039979
Map Reference	MB 1 PG 199
Instrument Date	Aug 31, 2021
Instrument	2021-039979
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	WAVE TITLE AGENCY INC

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
Address	421 LAKE AVE, FRANKLIN, OH 45005-3520

Mortgage

Document Number	2021039980
Date	Sep 2, 2021
Instrument	2021-039980

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 421 Lake Ave was $2,192.

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

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	$2,192.00	$37,891 Land $10,514 Building $27,377	$108,260 Land $30,040 Building $78,220
2023	$1,658.00 (+11.42%) Homeowner's exemption	$29,306 (-) Land $6,958 Building $22,348
2022	$1,488.00 Homeowner's exemption	$29,306 Land $6,958 Building $22,348	$83,730 (-) Land $19,880 Building $63,850
2021			$83,730 Land $19,880 Building $63,850

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 421 Lake Ave in Zone X, where a levee reduces flood risk, though there have been 13 flood claims nearby since 1991.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	13 (1991–2018)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Apr 2018 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 5 claims

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 421 Lake Ave 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.

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 242 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