6490 Arbor Ct, Middletown, OH 45044 Property Records

Warren County property record for 6490 Arbor Ct, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,243 sqft · built 1997
Lot Size	0.149 acres (6,482 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Aug 2018)
Tax Bill	$2,521 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-02-176-040-0`

Property Details

APN / Parcel Number

Primary APN	`07-02-176-040-0`
Alternative APNs	`0702176040` `702176040` `5200890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,243 sqft Living Area
Gross Area	1,643 sqft
1st Floor Area	1,243 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,482 sqft (0.149 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	236 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5200890
Street Address	6490 ARBOR CT
City	MIDDLETOWN
State	OH
Zip	45044-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWOOD VILLAS 1 LOT 77
Legal Subdivision	BRIDGEWOOD VILLAS 1
Legal Block	890
Legal Lot Number	77
Jurisdiction	WARREN OH
Township / Civil Division	TURTLECREEK
Census Block Group	1
Census Block	1021
Census Tract	31602

Owner

6490 Arbor Ct is owned and occupied by two individuals who bought it in August 2018.

Source: Warren County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6490 ARBOR CT, MIDDLETOWN, OH 45044-8848
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

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Aug 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Prior Sale	Aug 17, 2010 · Amount on File
Deed Document Number	201822346
Prior Transfer Date	Jan 8, 2008
Prior Transfer Doc	0046060080
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	6490 ARBOR CT, MIDDLETOWN, OH 45044-8848
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021044291
Date	Sep 29, 2021
Instrument	2021-044291

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Aug 6, 2018
Property Address	6490 ARBOR CT, MIDDLETOWN, OH 45044-8848
Document Number	0000022346
Map Reference	PB 36 PGS 4-6
Instrument Date	Jul 23, 2018
Instrument	2018-022346
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount on Record
Tax	$465.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6490 ARBOR CT, MIDDLETOWN, OH 45044-8848

Tax Assessment & Valuation

The 2025 property tax bill for 6490 Arbor Ct was $2,521, down 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,521.00 (-2.21%)	$62,750 Land $19,250 Building $43,500	$179,290 Land $55,000 Building $124,290
2024	$2,578.00 (+21.83%)
2023	$2,116.00 (+1.29%) Homeowner's exemption	$47,404 (-) Land $10,325 Building $37,079
2022	$2,089.00 Homeowner's exemption	$47,404 Land $10,325 Building $37,079	$135,440 (-) Land $29,500 Building $105,940
2021			$135,440 Land $29,500 Building $105,940

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 6490 Arbor Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026

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

The area around 6490 Arbor Ct 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	MIDDLETOWN CITY PWS serves 51,229 people · EPA ID OH0901712
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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