89 Harding Ct, Franklin, OH 45005 Property Records

Warren County property record for 89 Harding Ct, Franklin, OH 45005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,187 sqft · built 1972
Lot Size	0.14 acres (6,105 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Aug 2019)
Tax Bill	$2,600 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-25-154-005-0`

Property Details

APN / Parcel Number

Primary APN	`04-25-154-005-0`
Alternative APNs	`0425154005` `425154005` `2118882`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,187 sqft Living Area
Gross Area	1,473 sqft
1st Floor Area	1,187 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,105 sqft (0.14 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2118882
Street Address	89 HARDING CT
City	FRANKLIN
State	OH
Zip	45005-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN WOODS 1 LOT 69
Legal Subdivision	FRANKLIN WOODS 1
Legal Block	882
Legal Lot Number	69
Jurisdiction	WARREN OH
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2023
Census Tract	30501

Owner

89 Harding Ct is owned and occupied by an individual who bought it in August 2019.

Source: Warren County records, as of February 9, 2026

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

Owner of Record	Individual Name on File
Mailing Address	89 HARDING CT, FRANKLIN, OH 45005-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2019 · Amount on File
Deed Sale	Aug 19, 2019 · Amount on File
Prior Sale	Oct 18, 2002 · Amount on File
Deed Document Number	201923355
Prior Transfer Date	May 14, 1993
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Aug 19, 2019
Property Address	89 HARDING CT, FRANKLIN, OH 45005-2367
Document Number	0000023355
Map Reference	MB 6 PG 75
Instrument Date	Aug 14, 2019
Instrument	2019-023355
Transaction Type	Transfer
Record Updated	May 20, 2022

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	1355 WILLOW WAY STE 250, 250, CONCORD, CA 94520-8113

Mortgage

Document Number	0000023356
Date	Aug 19, 2019
Instrument	2019-023356

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	89 HARDING CT, FRANKLIN, OH 45005-2367
Document Number	0000029597
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018
Title Company	LANDMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 HARDING CT FRANKLIN OH 450052367, FRANKLIN, OH 45005-2367

Mortgage

Document Number	0000029597
Date	Oct 16, 2018
Instrument	29597

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 89 Harding Ct was $2,600, up 9.2% 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	$2,600.00 (+9.24%)	$50,610 Land $15,750 Building $34,860	$144,590 Land $45,000 Building $99,590
2024	$2,380.00 (+20.75%)
2023	$1,971.00 (+3.36%) Homeowner's exemption	$37,580 (-) Land $9,685 Building $27,895
2022	$1,907.00 Homeowner's exemption	$37,580 Land $9,685 Building $27,895	$107,370 (-) Land $27,670 Building $79,700
2021			$107,370 Land $27,670 Building $79,700

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

FEMA maps place 89 Harding Ct in Zone X, an area of minimal flood risk.

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	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

The area around 89 Harding Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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