981 Garver Rd, Middletown, OH 45044 Property Records

Butler County property record for 981 Garver Rd, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1962
Lot Size	1.21 acres (52,969 sqft)
Owner	Owner Name on File
Last Sale	$55,000 (Jun 2011)
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C1800-003.420-023`

Property Details

APN / Parcel Number

Primary APN	`C1800-003.420-023`
Alternative APNs	`4202200` `201598` `203389`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
1st Floor Area	1,548 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	52,969 sqft (1.21 acres)
Lot Dimensions	517 ft deep x 102 ft wide
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4202200
Old Parcel Number	C1800003.420023
Street Address	981 GARVER RD
City	MIDDLETOWN
State	OH
Zip	45044-8995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	619 ENT
Legal Subdivision	MONROE
Legal Lot Number	619
Jurisdiction	BUTLER OH
Township / Civil Division	LEMON
Census Block Group	1
Census Block	1003
Census Tract	11200

Owner

The current owner of 981 Garver Rd bought it in June 2011.

Source: Butler County records, as of March 11, 2026

Owner of Record	Owner Name on File
Mailing Address	981 GARVER RD, MIDDLETOWN, OH 45044-8995
Occupancy	Owner Occupied

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	Jun 17, 2011 · Amount on File
Deed Sale	Jun 17, 2011 · Amount on File
Prior Sale	Jun 17, 2011 · Amount on File
Deed Document Number	0000023767
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	981 GARVER RD, MIDDLETOWN, OH 45044-8995
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048764
Date	Nov 22, 2022
Book Page	9920/939
Instrument	2022-00048764

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 981 Garver Rd was $3,514.

Source: Butler County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
County Subdivision	Lemon 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	$3,514.00	$76,240 Land $18,500 Building $57,740	$217,850 Land $52,870 Building $164,980
2023	$3,411.00 (+16.14%)	$76,240 (+31.81%) Land $18,500 Building $57,740	$217,850 Land $52,870 Building $164,980
2022	$2,937.00	$57,840 Land $18,500 Building $39,340
2020			$165,260 Land $52,870 Building $112,390

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

Flood

FEMA maps place 981 Garver Rd in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 981 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 94% of the US · lower than 74% 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 51 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
T-Mobile Fixed Wireless	100 / 20