860 S Main St, Franklin, OH 45005 Property Records

Warren County property record for 860 S Main St, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,214 sqft · built 2022
Lot Size	0.218 acres (9,408 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2022)
Tax Bill	$4,859 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-31-156-025-0`

Property Details

APN / Parcel Number

Primary APN	`04-31-156-025-0`
Alternative APNs	`0431156025` `431156025` `2106086`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	2,214 sqft Living Area
1st Floor Area	318 sqft
2nd Floor Area	948 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,408 sqft (0.218 acres)
Lot Dimensions	192 ft deep x 49 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	705 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2106086
Street Address	860 S MAIN ST
City	FRANKLIN
State	OH
Zip	45005-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT 756
Legal Subdivision	OUT LOT
Legal Block	86
Legal Lot Number	756
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1027
Census Tract	32502

Owner

860 S Main St is owned and occupied by an individual who bought it in December 2022.

Source: Warren County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 23, 2021	Warranty Deed, Transfer
Aug 17, 2020	Warranty Deed, Transfer PRODIGY TITLE
Oct 31, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Apr 23, 2021 · Amount on File
Deed Document Number	202237285
Prior Transfer Date	Oct 29, 2019
Prior Transfer Doc	0000032756
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Sep 8, 2026
Property Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Document Number	0000025422
Instrument Date	Sep 2, 2026
Instrument	202625422
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 S MAIN ST, FRANKLIN, OH 45005-2731

Mortgage

Document Number	0000025422,
Date	Sep 8, 2026
Instrument	202625422

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Dec 16, 2022
Property Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Document Number	0000037285
Map Reference	MB 2 PG 17-37
Instrument Date	Dec 9, 2022
Instrument	2022-037285
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	COLUMBIA TITLE LLC

Transaction

Amount	Amount on Record
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
Address	860 S MAIN ST, FRANKLIN, OH 45005-2731

Mortgage

Document Number	0000037286
Date	Dec 16, 2022
Instrument	2022-037286

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Apr 23, 2021
Property Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Document Number	0000019019
Map Reference	MB 2 PG 17-37
Instrument Date	Apr 19, 2021
Instrument	2021-019019
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount 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	637 SADDLEWOOD AVE, DAYTON, OH 45459-3031

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Aug 17, 2020
Property Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Document Number	0000030993
Instrument Date	Aug 14, 2020
Instrument	30993
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	PRODIGY TITLE

Transaction

Amount	Amount on Record
Tax	$22.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	860 S MAIN ST FRANKLIN OH 450052731, FRANKLIN, OH 45005-2731

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN OH
Recording Date	Oct 31, 2019
Property Address	860 S MAIN ST, FRANKLIN, OH 45005-2731
Document Number	0000032756
Instrument Date	Oct 29, 2019
Instrument	32756
Transaction Type	Foreclosure
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$7.50
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 S MAIN ST FRANKLIN OH 450052731, FRANKLIN, OH 45005-2731

Tax Assessment & Valuation

The 2025 property tax bill for 860 S Main St was $4,859, up 8.2% from the year before.

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	$4,859.00 (+8.22%)	$93,710 (-0.01%) Land $10,700 Building $83,010	$267,760 (-) Land $30,580 Building $237,180
2024	$4,490.00 (+14.72%)	$93,716 (+26.91%) Land $10,703 Building $83,013	$267,760 Land $30,580 Building $237,180
2023	$3,914.00 (+1,142.54%)	$73,847 (+1,116.79%) Land $6,069 Building $67,778
2022	$315.00	$6,069 Land $6,069	$210,990 (+1,116.78%) Land $17,340 Building $193,650
2021			$17,340 Land $17,340

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 860 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 860 S Main St is low, with less than a 0.01% annual chance of 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	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 246 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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