906 Garver Rd, Middletown, OH 45044 Property Records

Warren County property record for 906 Garver Rd, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,388 sqft · built 1994
Lot Size	0.477 acres (20,765 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Oct 2012)
Tax Bill	$3,691 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-01-363-002-0`

Property Details

APN / Parcel Number

Primary APN	`07-01-363-002-0`
Alternative APNs	`0701363002` `701363002` `5900387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,388 sqft Living Area
Gross Area	3,028 sqft
1st Floor Area	1,244 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	20,765 sqft (0.477 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	310 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5900387
Street Address	906 GARVER RD
City	MIDDLETOWN
State	OH
Zip	45044-8929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POSEY ACRES 1 LOT 2
Legal Range	4
Legal Township	2
Legal Section	1
Legal Subdivision	POSEY ACRES 1
Legal Block	387
Legal Lot Number	2
Jurisdiction	WARREN OH
Township / Civil Division	TURTLECREEK
Census Block Group	2
Census Block	2012
Census Tract	31602

Owner

906 Garver Rd is owned and occupied by an individual who acquired it in January 2025.

Source: Warren County records, as of May 1, 2026

Owner of Record	Individual Name on File
Mailing Address	906 GARVER RD, MIDDLETOWN, OH 45044-8929
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2012 · Amount on File
Deed Sale	Oct 24, 2012 · Amount on File
Prior Sale	Aug 6, 2004 · Amount on File
Deed Document Number	2012890478
Deed Book / Page	5672 / 812
Last Transfer Date	Jan 20, 2025
Transfer Doc	0000001197
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Apr 6, 2026
Property Address	906 GARVER RD, MIDDLETOWN, OH 45044-8929
Document Number	0000008939
Instrument Date	Mar 26, 2026
Instrument	20268939
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 GARVER RD, MIDDLETOWN, OH 45044-8929

Mortgage

Document Number	0000008939,
Date	Apr 6, 2026
Instrument	20268939

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2056

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 906 Garver Rd was $3,691, up 0.2% 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	Turtlecreek Township
Municipality	Monroe City
Unified School District	Monroe Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,691.00 (+0.19%)	$83,790 Land $19,250 Building $64,540	$239,390 Land $55,000 Building $184,390
2024	$3,684.00 (+21.7%)
2023	$3,027.00 (-7%) Homeowner's exemption	$67,890 (-) Land $10,763 Building $57,127
2022	$3,255.00 Homeowner's exemption	$67,890 Land $10,763 Building $57,127	$193,970 (-) Land $30,750 Building $163,220
2021			$193,970 Land $30,750 Building $163,220

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

Flood

FEMA maps place 906 Garver Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · 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	8 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · rainfall accumulation

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 906 Garver Rd 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 93% of the US · lower than 68% 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	MONROE CITY PWS serves 15,600 people · EPA ID OH0902012
Water Source	Purchased surface water from BUTLER CO. WATER DISTRICT 2 PWS
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Spectrum, T-Mobile, Verizon.

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