45 Cherry St, Springboro, OH 45066 Property Records

Warren County property record for 45 Cherry St, Springboro, OH 45066 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,596 sqft · built 1987
Lot Size	0.175 acres (7,400 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Jun 2017)
Tax Bill	$3,322 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-07-102-039-0`

Property Details

APN / Parcel Number

Primary APN	`04-07-102-039-0`
Alternative APNs	`0407102039` `407102039` `0524263` `524263`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,596 sqft Living Area
Gross Area	2,037 sqft
1st Floor Area	348 sqft
2nd Floor Area	624 sqft
Family Room	Family Room

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,400 sqft (0.175 acres)
Lot Dimensions	100 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	282 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	524263
Street Address	45 CHERRY ST
City	SPRINGBORO
State	OH
Zip	45066-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRY WOOD 1 LOT 3
Legal Subdivision	CHERRY WOOD 1
Legal Block	63
Legal Lot Number	3
Jurisdiction	WARREN OH
Township / Civil Division	CLEAR CREEK
Census Block Group	3
Census Block	3018
Census Tract	30504

Owner

Source: Warren County records · APN 04-07-102-039-0

Assessment roll updated February 9, 2026 · Last verified August 2026

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	45 CHERRY ST, SPRINGBORO, OH 45066-1370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 20, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 08, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 19, 2017	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2017 · Amount on Record
Deed Sale	Jun 19, 2017 · Amount on Record
Prior Sale	Apr 29, 2004 · Amount on Record
Deed Document Number	201718554
Prior Transfer Date	Apr 12, 1985
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jul 24, 2026
Property Address	45 CHERRY ST, SPRINGBORO, OH 45066-1370
Document Number	0000020816
Instrument Date	Jul 20, 2026
Instrument	202620816
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHERRY ST, SPRINGBORO, OH 45066-1370

Mortgage

Document Number	0000020816,
Date	Jul 24, 2026
Instrument	202620816

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate	6.47%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	45 CHERRY ST, SPRINGBORO, OH 45066-1370
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024832
Date	Nov 20, 2023
Instrument	2023-024832

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	45 CHERRY ST, SPRINGBORO, OH 45066-1370
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021016256
Date	Apr 08, 2021
Instrument	2021-016256

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Aug 01, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jun 19, 2017
Property Address	45 CHERRY ST, SPRINGBORO, OH 45066-1370
Document Number	0000018554
Instrument Date	Jun 16, 2017
Instrument	18554
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	NATIONWIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$531.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHERRY ST SPRINGBORO OH 450661370, SPRINGBORO, OH 45066-1370

Mortgage

Document Number	18555
Date	Jun 19, 2017
Instrument	18555

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated February 9, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Clear Creek Township
Municipality	Springboro City
Unified School District	Springboro Community City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,322.00 (+19.67%)	$85,290 (+30.83%) Land $26,250 Building $59,040	$243,690 (+30.83%) Land $75,000 Building $168,690
2023	$2,776.00 (+1.5%) Homeowner's exemption	$65,191 (-) Land $12,915 Building $52,276
2022	$2,735.00 Homeowner's exemption	$65,191 Land $12,915 Building $52,276	$186,260 (-) Land $36,900 Building $149,360
2021			$186,260 Land $36,900 Building $149,360

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Warren County (39165C), updated June 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391650305043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 197 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	2,000 / 2,000
Point Broadband Fiber Holding	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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