45 W 3rd St, Franklin, OH 45005 Property Records

Warren County property record for 45 W 3rd St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,640 sqft · built 1927
Lot Size	0.28 acres (12,177 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Apr 2026)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-32-383-012-0`

Property Details

APN / Parcel Number

Primary APN	`04-32-383-012-0`
Alternative APNs	`0432383012` `432383012` `2120046`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,640 sqft Living Area
Gross Area	3,206 sqft
2nd Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick/Stone
Construction Type	Brick
Foundation Type	Concrete
Lot Area	12,177 sqft (0.28 acres)
Lot Dimensions	99 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	410 sqft
Canopy	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2120046
Street Address	45 W 3RD ST
City	FRANKLIN
State	OH
Zip	45005-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT 437-438
Legal Subdivision	OUT LOT
Legal Block	46
Legal Lot Number	437-4
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2024
Census Tract	32501

Historic Designation

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

Historic District	Within the Franklin Historic District listed 2023 · 117 contributing resources · NRIS 100008886

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 July 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	45 W 3RD ST, FRANKLIN, OH 45005-2247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Nov 4, 2020	Warranty Deed, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Nov 4, 2020 · Amount on Record
Deed Document Number	202611249
Prior Transfer Date	May 4, 2007
Prior Transfer Doc	0044520650
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Apr 28, 2026
Property Address	45 W 3RD ST, FRANKLIN, OH 45005-2247
Document Number	0000011249
Instrument Date	Apr 23, 2026
Instrument	202611249
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,990.00
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
Address	45 W 3RD ST, FRANKLIN, OH 45005-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011250,
Date	Apr 28, 2026
Instrument	202611250

Lender

Name	FIRST COMMUNITY MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Nov 4, 2020
Property Address	45 W 3RD ST, FRANKLIN, OH 45005-2247
Document Number	0000044392
Map Reference	MB 2 PG 17-37
Instrument Date	Oct 22, 2020
Instrument	2020-044392
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 W 3RD ST, FRANKLIN, OH 45005-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044394
Date	Nov 4, 2020
Instrument	2020-044394

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

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	$4,523.00 (+8.67%)	$88,490 (+34.83%) Land $19,590 Building $68,900	$252,830 (+34.84%) Land $55,960 Building $196,870
2024	$4,162.00 (+20.88%)
2023	$3,443.00 (+3.33%) Homeowner's exemption	$65,629 (-) Land $10,773 Building $54,856
2022	$3,332.00 Homeowner's exemption	$65,629 Land $10,773 Building $54,856	$187,510 (-) Land $30,780 Building $156,730
2021			$187,510 Land $30,780 Building $156,730

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1990 · river or lake flooding

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

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 273 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

May also be available: AT&T.

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