686 Central Ave, Franklin, OH 45005 Property Records

Warren County property record for 686 Central Ave, Franklin, OH 45005

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,310 sqft · built 1890
Lot Size	0.338 acres (14,732 sqft)
Owner	Individual Name on Record
Last Sale	$173,500 (Jun 2018)
Tax Bill	$3,442 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-33-126-020-0`

Property Details

APN / Parcel Number

Primary APN	`01-33-126-020-0`
Alternative APNs	`0133126020` `133126020` `1809156`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,310 sqft Living Area
2nd Floor Area	1,155 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2018
Exterior Material	Shingles
Construction Type	Frame
Foundation Type	Concrete
Lot Area	14,732 sqft (0.338 acres)
Lot Dimensions	200 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	640 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	1809156
Old Parcel Number	0133126020
Street Address	686 CENTRAL AVE
City	FRANKLIN
State	OH
Zip	45005-3387
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	5 -2-33 .3382 AC.
Legal Range	05
Legal Township	02
Legal Section	33
Legal Block	126
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1052
Census Tract	30102

Owner

Source: Warren County records, as of February 20, 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 Record
Mailing Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Oct 30, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jun 25, 2018	Warranty Deed, Transfer
Nov 7, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	0000017596
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021016
Date	Jun 24, 2022
Instrument	2022-021016

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2048

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387

Mortgage

Document Number	0000023315
Date	Oct 30, 2023
Instrument	2023-023315

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Jul 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jun 25, 2018
Property Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Document Number	0000017596
Map Reference	PB 1 PG 69
Instrument Date	Jun 21, 2018
Instrument	2018-017596
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount Recorded
Tax	$520.50
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	686 CENTRAL AVE, FRANKLIN, OH 45005-3387

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN OH
Recording Date	Nov 7, 2017
Property Address	686 CENTRAL AVE, FRANKLIN, OH 45005-3387
Document Number	0000034134
Instrument Date	Nov 1, 2017
Instrument	34134
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$48.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7535 SHEELIN CT DAYTON OH 454151149, DAYTON, OH 45415-1149
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,442.00 (+20.6%)	$88,778 (+33.45%) Land $10,514 Building $78,264	$253,650 (+33.45%) Land $30,040 Building $223,610
2023	$2,854.00 (+2.07%) Homeowner's exemption	$66,525 (-) Land $6,566 Building $59,959
2022	$2,796.00 Homeowner's exemption	$66,525 Land $6,566 Building $59,959	$190,070 (-) Land $18,760 Building $171,310
2021			$190,070 Land $18,760 Building $171,310

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
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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