431 E Silver St, Lebanon, OH 45036 Property Records

Warren County property record for 431 E Silver St, Lebanon, OH 45036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,439 sqft · built 1928
Lot Size	0.165 acres (7,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,000 (May 2026)
Tax Bill	$2,868 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-36-378-013-0`

Property Details

APN / Parcel Number

Primary APN	`13-36-378-013-0`
Alternative APNs	`1336378013` `6115632`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,439 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	35 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Lot Area	7,130 sqft (0.165 acres)
Lot Dimensions	155 ft deep x 46 ft wide
Garage Area	180 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	257 sqft
Deck Area	324 sqft
Lean-To	330 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6115632
Street Address	431 E SILVER ST
City	LEBANON
State	OH
Zip	45036-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELLIOTTS ADD. LOT PT. 34-35
Legal Subdivision	ELLIOTTS ADD.
Legal Block	632
Legal Lot Number	34-35
Jurisdiction	WARREN OH
Township / Civil Division	LEBANON
Census Block Group	4
Census Block	4007
Census Tract	31400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East End Historic District listed 1984 · 215 contributing resources · NRIS 84000419

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Warren County records, as of May 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2475 VILLAGE VIEW DR, 100, HENDERSON, NV 89074-6608
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE, LLC
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage RIVERHILLS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	May 16, 2019 · Amount on Record
Deed Document Number	202613005
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	431 E SILVER ST, LEBANON, OH 45036-1921
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043068
Date	Sep 22, 2021
Instrument	2021-043068

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	May 14, 2026
Property Address	431 E SILVER ST, LEBANON, OH 45036-1921
Document Number	0000013005
Instrument Date	Apr 13, 2026
Instrument	2026.13005
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77,871.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000013006,
Date	May 14, 2026
Instrument	2026.13006

Lender

Name	NATIONS DIRECT MORTGAGE, LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	431 E SILVER ST, LEBANON, OH 45036-1921
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021043068
Date	Sep 22, 2021
Instrument	2021-043068

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	May 16, 2019
Property Address	431 E SILVER ST, LEBANON, OH 45036-1921
Document Number	0000012461
Instrument Date	May 14, 2019
Instrument	2019-012461
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E SILVER ST, LEBANON, OH 45036-1921

Mortgage

Document Number	0000012462
Date	May 16, 2019
Instrument	2019-012462

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
Municipality	Lebanon City
Unified School District	Lebanon City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,868.00 (+12.69%)	$70,620 (+28.34%) Land $19,440 Building $51,180	$201,780 (+28.35%) Land $55,550 Building $146,230
2023	$2,545.00 (-4.03%) Homeowner's exemption	$55,024 (-) Land $9,566 Building $45,458
2022	$2,652.00 Homeowner's exemption	$55,024 Land $9,566 Building $45,458	$157,210 (-) Land $27,330 Building $129,880
2021			$157,210 Land $27,330 Building $129,880

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 June 25, 2025

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	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Drinking Water

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

Water System	LEBANON CITY serves 20,700 people · EPA ID OH8304112
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Sep 2025
Lead	1 ppb (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	None 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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