709 Orchard St, Middletown, OH 45044 Property Records

Butler County property record for 709 Orchard St, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1956
Lot Size	0.191 acres (8,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Apr 2025)
Tax Bill	$1,609 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`Q6542-045-000-025`

Property Details

APN / Parcel Number

Primary APN	`Q6542-045-000-025`
Alternative APNs	`0003400` `439195` `442726`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,544 sqft
1st Floor Area	1,232 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,333 sqft (0.191 acres)
Lot Dimensions	120 ft deep x 70 ft wide
View / Lot	Neighborhood / Spot
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	312 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	709 ORCHARD ST
City	MIDDLETOWN
State	OH
Zip	45044-6029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10466 ENT
Legal Subdivision	CITY OF MIDDLETOWN
Jurisdiction	BUTLER OH
Township / Civil Division	MIDDLETOWN
Census Block Group	1
Census Block	1001
Census Tract	13400

Owner

Source: Butler County records, as of June 9, 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	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK.
Jul 18, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Apr 15, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Deed Document Number	202512251
Deed Book / Page	10205 / 1607
Prior Transfer Date	Apr 9, 2025
Prior Transfer Doc	0000012251
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Recording Date	May 28, 2026
Property Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029
Document Number	0000019064
Book / Page	10361 / 1447
Instrument Date	Apr 24, 2026
Instrument	202619064
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029

Mortgage

Document Number	0000019064,
Date	May 28, 2026
Book Page	10361/1447
Instrument	202619064

Lender

Name	FIRST FINANCIAL BANK.

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 10, 2051

Interest

Rate	6.38%
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029

Mortgage

Document Number	0000024199
Date	Jul 18, 2025
Book Page	10241/1920
Instrument	2025-00024199

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Apr 15, 2025
Property Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029
Document Number	0000012251
Book / Page	10205 / 1607
Instrument Date	Apr 9, 2025
Instrument	2025-00012251
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	GRANDE TITLE AGENCY LLC, TANDEM TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	709 ORCHARD ST, MIDDLETOWN, OH 45044-6029

Mortgage

Document Number	0102051609
Date	Apr 15, 2025
Instrument	10205/1609

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
Municipality	Middletown City
Unified School District	Middletown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,609.00 (-14.55%)	$45,860 (-) Land $6,590 Building $39,270	$131,050 (-) Land $18,840 Building $112,210
2023	$1,883.00 Homeowner's exemption	$45,860 Land $6,590 Building $39,270	$131,050 Land $18,840 Building $112,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 553 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
Starlink Satellite	280 / 30

May also be available: altafiber Network Solutions, Verizon.

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