681 Central Ave, Franklin, OH 45005 Property Records

Warren County property record for 681 Central Ave, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,972 sqft · built 1893
Lot Size	0.541 acres (23,566 sqft)
Owner	2 Individual Names on Record
Last Sale	$476,500 (Apr 2022)
Tax Bill	$5,761 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-33-128-005-0`

Property Details

APN / Parcel Number

Primary APN	`01-33-128-005-0`
Alternative APNs	`0133128005` `133128005` `1804316`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,972 sqft Living Area
Gross Area	4,417 sqft
2nd Floor Area	1,321 sqft
Attic	Attic
Attic Area	1,301 sqft
Basement Area	330 sqft
Finished Basement	330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Lot Area	23,566 sqft (0.541 acres)
Lot Dimensions	220 ft deep x 114 ft wide
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	505 sqft
Utility Building	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1804316
Street Address	681 CENTRAL AVE
City	CARLISLE
State	OH
Zip	45005-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL
Legal Range	5
Legal Township	2
Legal Section	33
Legal Subdivision	CENTRAL
Legal Block	316
Legal Lot Number	14
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1056
Census Tract	30102

Owner

Source: Warren County records, as of July 10, 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	681 CENTRAL AVE, FRANKLIN, OH 45005-3360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Dec 21, 2017	Deed of Trust, Mortgage · Line of Credit RIVER VLY CU INC
Oct 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on Record
Deed Sale	Apr 15, 2022 · Amount on Record
Prior Sale	Oct 17, 2017 · Amount on Record
Deed Document Number	202212908
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Apr 15, 2022
Property Address	681 CENTRAL AVE, FRANKLIN, OH 45005-3360
Document Number	0000012908
Map Reference	MB 1 PG 69
Instrument Date	Apr 13, 2022
Instrument	2022-012908
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	LANDMARK TITLE

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
Relationship	Right of Survivorship
Address	681 CENTRAL AVE, CARLISLE, OH 45005-3360
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012909
Date	Apr 15, 2022
Instrument	2022-012909

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	681 CENTRAL AVE, CARLISLE, OH 45005-3360
Document Number	0000001600
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Feb 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 CENTRAL AVE CARLISLE OH 450053360, CARLISLE, OH 45005-3360

Mortgage

Document Number	0000001600
Date	Jan 16, 2018
Instrument	1600

Lender

Name	RIVER VLY CU INC
Address	MIAMISBURG, OH 45342

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Oct 17, 2017
Property Address	681 CENTRAL AVE, CARLISLE, OH 45005-3360
Document Number	0000031766
Instrument Date	Oct 13, 2017
Instrument	31766
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Amount	Amount Recorded
Tax	$435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 CENTRAL AVE CARLISLE OH 450053360, CARLISLE, OH 45005-3360

Tax Assessment & Valuation

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

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	$5,761.00 (+116.99%)	$150,230 (+140.11%) Land $14,900 Building $135,330	$429,220 (+140.11%) Land $42,570 Building $386,650
2023	$2,655.00 (+91.97%) Homeowner's exemption	$62,566 (-) Land $9,307 Building $53,259
2022	$1,383.00 Homeowner's exemption	$62,566 Land $9,307 Building $53,260	$178,760 (-) Land $26,590 Building $152,170
2021			$178,760 Land $26,590 Building $152,170

Assessed value is set for property tax purposes, not a market price estimate; it is 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Nearby Flood Policies	40 in force
Nearby Flood Claims	4 (1987–2026)
Most Recent Claim	May 2026 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 96% 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	CARLISLE CITY PWS serves 1,675 people · EPA ID OH8303803
Water Source	Purchased groundwater from FRANKLIN PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 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

May also be available: Watch TV.

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