659 Michael Dr, Franklin, OH 45005 Property Records

Warren County property record for 659 Michael Dr, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1962
Lot Size	0.501 acres (21,840 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Oct 2024)
Tax Bill	$1,895 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-32-428-009-0`

Property Details

APN / Parcel Number

Primary APN	`01-32-428-009-0`
Alternative APNs	`0132428009` `132428009` `1805843`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1962
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Lot Area	21,840 sqft (0.501 acres)
Lot Dimensions	210 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Screened Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	1805843
Old Parcel Number	0132428009
Street Address	659 MICHAEL DR
City	FRANKLIN
State	OH
Zip	45005-3718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVINCIAL PLAINS #81
Legal Subdivision	PROVINCIAL PLAINS
Legal Block	428
Legal Lot Number	81
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3007
Census Tract	30102

Owner

659 Michael Dr is owned and occupied by an individual who bought it in October 2024.

Source: Warren County records, as of February 20, 2026

Owner of Record	Individual Name on File
Mailing Address	659 MICHAEL DR, CARLISLE, OH 45005-3718
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
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Mar 1, 2019	Warranty Deed, Transfer · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2024 · Amount on File
Deed Sale	Oct 22, 2024 · Amount on File
Prior Sale	Mar 1, 2019 · Amount on File
Deed Document Number	0000023815
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	659 MICHAEL DR, FRANKLIN, OH 45005-3718
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 MICHAEL DR, CARLISLE, OH 45005-3718

Mortgage

Document Number	0000028237
Date	Nov 6, 2025
Instrument	2025-028237

Lender

Name	PEOPLES BANK
Type	Bank
Address	FRANKLIN, OH 45005

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Mar 1, 2019
Property Address	659 MICHAEL DR, CARLISLE, OH 45005-3718
Document Number	0000005011
Instrument Date	Feb 25, 2019
Instrument	5011
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 MICHAEL DR CARLISLE OH 450053718, CARLISLE, OH 45005-3718

Mortgage

Document Number	5012
Date	Mar 1, 2019
Instrument	5012

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 659 Michael Dr was $1,895.

Source: Warren County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Carlisle City
County	Warren County
County Subdivision	Franklin Township
Unified School District	Carlisle Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,895.00	$49,504 Land $17,500 Building $32,004	$141,440 Land $50,000 Building $91,440
2023	$1,603.00 (+2.04%) Homeowner's exemption	$37,825 (-) Land $11,813 Building $26,012
2022	$1,571.00 Homeowner's exemption	$37,825 Land $11,813 Building $26,012	$108,070 (-) Land $33,750 Building $74,320
2021			$108,070 Land $33,750 Building $74,320

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 659 Michael Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (1989)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1989 · Severe Storms & 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

Wildfire risk around 659 Michael Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Watch TV.

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