76 Harding Ct, Franklin, OH 45005 Property Records

Warren County property record for 76 Harding Ct, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,257 sqft · built 1972
Lot Size	0.145 acres (5,896 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Jul 2003)
Tax Bill	$2,740 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-153-013-0`

Property Details

APN / Parcel Number

Primary APN	`04-25-153-013-0`
Alternative APNs	`0425153013` `425153013` `2114097`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,257 sqft Living Area
1st Floor Area	33 sqft
Basement Area	288 sqft
Finished Basement	288 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,896 sqft (0.145 acres)
Lot Dimensions	88 ft deep x 67 ft wide
Porch	Open Porch
Porch Area	280 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2114097
Street Address	76 HARDING CT
City	FRANKLIN
State	OH
Zip	45005-2366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN WOODS 1 LOT 5
Legal Subdivision	FRANKLIN WOODS 1
Legal Block	97
Legal Lot Number	5
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2023
Census Tract	30501

Owner

Source: Warren County records, as of February 9, 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	76 HARDING CT, FRANKLIN, OH 45005-2366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 12, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK
May 1, 2025	Affidavit of Death of Joint Tenant, Transfer
Feb 12, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK
May 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2003 · Amount on Record
Deed Sale	Jul 3, 2003 · Amount on Record
Prior Sale	Aug 19, 1992 · Amount on Record
Deed Document Number	2003405308
Deed Book / Page	3125 / 429
Last Transfer Date	May 6, 2016
Transfer Doc	0000012247
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	76 HARDING CT, FRANKLIN, OH 45005-2366
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 HARDING CT, FRANKLIN, OH 45005-2366

Mortgage

Document Number	0000032991
Date	Dec 24, 2025
Instrument	2025-032991

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	76 HARDING CT, FRANKLIN, OH 45005-2366
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007153
Date	Feb 12, 2021
Instrument	2021-007153

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2031

May 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WARREN OH
Recording Date	May 1, 2025
Property Address	76 HARDING CT, FRANKLIN, OH 45005-2366
Document Number	0000009877
Map Reference	MB 6 PG 75
Instrument Date	Apr 24, 2025
Instrument	2025-009877
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 HARDING CT, FRANKLIN, OH 45005-2366

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	76 HARDING CT, FRANKLIN, OH 45005-2366
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021007153
Date	Feb 12, 2021
Instrument	2021-007153

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	76 HARDING CT, FRANKLIN, OH 45005-2366
Document Number	0000014624
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	76 HARDING CT FRANKLIN OH 450052366, FRANKLIN, OH 45005-2366

Mortgage

Document Number	0000014624
Date	May 25, 2018
Instrument	14624

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

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	$2,740.00 (+9.16%)	$53,370 (+34.42%) Land $15,750 Building $37,620	$152,480 (+34.41%) Land $45,000 Building $107,480
2024	$2,510.00 (+20.56%)
2023	$2,082.00 (+3.33%) Homeowner's exemption	$39,704 (-) Land $9,685 Building $30,019
2022	$2,015.00 Homeowner's exemption	$39,704 Land $9,685 Building $30,020	$113,440 (-) Land $27,670 Building $85,770
2021			$113,440 Land $27,670 Building $85,770

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 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
Nearby Flood Policies	9 in force

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

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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