Warren County property record for 521 Spring Ave, Franklin, OH 45005
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1984 |
| Lot Size | 0.001 acres (44 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,500 (Jan 2026) |
| Tax Bill | $2,324 (2025) |
| Deeds & Mortgages | Mar 2022 Second Mortgage Jan 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 02-04-231-014-0 |
| Primary APN | 02-04-231-014-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Attic Area | 276 sqft |
| Basement Area | 276 sqft |
| Finished Basement | 276 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Lot Area | 44 sqft (0.001 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 336 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 2108364 |
|---|---|
| Old Parcel Number | 0204231014 |
| Street Address | 521 SPRING AVE |
| City | FRANKLIN |
| State | OH |
| Zip | 45005-3568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MACKINAW ADD. LOT# 177 |
| Legal Subdivision | MACKINAW ADD. |
| Legal Block | 231 |
| Legal Lot Number | 177 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30200 |
Source: Warren County assessment roll, APN 02-04-231-014-0, as of August 1, 2025 · Last verified February 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage OHIO HOUSING FINANCE AGENCY |
| Jan 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Oct 06, 2021 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| Mar 15, 2021 | Warranty Deed, Transfer |
| Mar 01, 2021 | Warranty Deed, Transfer |
| Dec 29, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Oct 06, 2021 · Amount on Record |
| Deed Document Number | 2026-000840 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000009550 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022-009550 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Jan 12, 2026 |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 0000000840 |
| Map Reference | MB 2 PG 258 |
| Instrument Date | Dec 08, 2025 |
| Instrument | 2026-000840 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 0000000841 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 2026-000841 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Oct 06, 2021 |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 2021045370 |
| Map Reference | MB 1 PG 199&200 |
| Instrument Date | Sep 03, 2021 |
| Instrument | 2021-045370 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 2021045371 |
|---|---|
| Date | Oct 06, 2021 |
| Instrument | 2021-045371 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Mar 15, 2021 |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 0000011635 |
| Map Reference | MB 2 PG 258&259 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 2021-011635 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2083 STAYMAN DR, KETTERING, OH 45440-1664 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Mar 01, 2021 |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 0000009208 |
| Map Reference | MB 1 PG 199&200 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021-009208 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9378 S MASON MONTGOMERY RD # 103, 103, MASON, OH 45040-8827 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Dec 29, 2017 |
| Property Address | 521 SPRING AVE, FRANKLIN, OH 45005-3568 |
| Document Number | 0000039878 |
| Instrument Date | Nov 14, 2017 |
| Instrument | 39878 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 SPRING AVE FRANKLIN OH 450053568, FRANKLIN, OH 45005-3568 |
Source: Warren County assessment roll as of August 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Franklin Township |
| Municipality | Franklin City |
| Unified School District | Franklin City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,324.00 (+8.14%) | $39,270 (-) Land $10,514 Building $28,756 | $112,200 (-) Land $30,040 Building $82,160 |
| 2024 | $2,149.00 (+23.51%) | $39,270 (+29.68%) Land $10,514 Building $28,756 | $112,200 (+29.68%) Land $30,040 Building $82,160 |
| 2023 | $1,740.00 (+13.21%) Homeowner's exemption | $30,282 (-) Land $6,958 Building $23,324 | |
| 2022 | $1,537.00 Homeowner's exemption | $30,282 Land $6,958 Building $23,324 | $86,520 (-) Land $19,880 Building $66,640 |
| 2021 | $86,520 Land $19,880 Building $66,640 |
Source: FEMA National Flood Hazard Layer, Warren County (39165C), as of June 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391650302001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection, 242 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System, water system OH8300412, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FRANKLIN PUBLIC WATER SYSTEM private · serves 11,690 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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