734 Union Rd, Franklin, OH 45005 Property Records

Warren County property record for 734 Union Rd, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	8 bd · 2 ba · 1,820 sqft · built 1918
Lot Size	0.264 acres (12,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,650 (Feb 2022)
Tax Bill	$5,325 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-31-181-006-0`

Property Details

APN / Parcel Number

Primary APN	`04-31-181-006-0`
Alternative APNs	`0431181006` `431181006` `2119706`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	1,864 sqft
1st Floor Area	1,820 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Lot Area	12,300 sqft (0.264 acres)
Lot Dimensions	150 ft deep x 82 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	128 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Gravity Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	2119706
Street Address	734 UNION RD
City	FRANKLIN
State	OH
Zip	45005-2575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWARD & FOLK LOT 9-10
Legal Subdivision	WOODWARD & FOLK
Legal Block	706
Legal Lot Number	9-10
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1021
Census Tract	32502

Owner

Source: Warren County records, as of October 2, 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	734 UNION RD, FRANKLIN, OH 45005-2575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 1, 2024	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Mar 21, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Feb 1, 2022	Survivorship Deed, Transfer · FHA Mortgage DAS ACQUISITION
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Feb 18, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Dec 13, 2016
Deed Document Number	20223974
Prior Transfer Date	Jan 26, 2016
Prior Transfer Doc	0000038607
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 UNION RD, FRANKLIN, OH 45005-2575

Mortgage

Document Number	0000023331
Date	Oct 30, 2023
Instrument	2023-023331

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Feb 1, 2052

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 UNION RD, FRANKLIN, OH 45005-2575

Mortgage

Document Number	0000016709
Date	Aug 1, 2024
Instrument	2024-016709

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Feb 1, 2052

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006203
Date	Mar 21, 2025
Instrument	2025-006203

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 QUEENSGATE RD, SPRINGBORO, OH 45066-9703

Mortgage

Document Number	0000006264
Date	Feb 8, 2021
Instrument	2021-006264

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Dec 30, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	WARREN OH
Recording Date	Feb 1, 2022
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Document Number	0000003974
Map Reference	MB 2 PG 198
Instrument Date	Jan 28, 2022
Instrument	2022-003974
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	WAVE TITLE AGENCY INC

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	734 UNION RD, FRANKLIN, OH 45005-2575

Mortgage

Document Number	0000003975
Date	Feb 1, 2022
Instrument	2022-003975

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 QUEENSGATE RD, SPRINGBORO, OH 45066-9703

Mortgage

Document Number	2021006264
Date	Feb 8, 2021
Instrument	2021-006264

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Dec 30, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	734 UNION RD, FRANKLIN, OH 45005-2575
Document Number	0000008805
Instrument Date	Feb 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 QUEENSGATE RD SPRINGBORO OH 450669703, SPRINGBORO, OH 45066-9703

Mortgage

Document Number	0000008805
Date	Mar 23, 2017
Instrument	8805

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,325.00 (+167.86%)	$49,360 (+33.45%) Land $13,740 Building $35,620	$141,030 (+33.45%) Land $39,260 Building $101,770
2023	$1,988.00 (+3.54%)	$36,988 (-) Land $7,791 Building $29,197
2022	$1,920.00	$36,988 Land $7,791 Building $29,197	$105,680 (-) Land $22,260 Building $83,420
2021			$105,680 Land $22,260 Building $83,420

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1992)
Most Recent Claim	May 1992 · river or lake 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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