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Single Family ResidenceResidential
$161,528$119 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $155,000 on Apr 11, 2025

638 S RIVER ST

FRANKLIN, OH 45005
4
Beds
1
Baths
1,359 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1915
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$162K
$131K low$192K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$155,000 · Apr 11, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$9,336
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$7,469
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.95%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$152,192
ROCKET MORTGAGE LLC · recorded Apr 11, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$744 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$44,510 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,280
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$37,230
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,480
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$127,170

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWARREN
Lot (acres)The size of the land the home sits on, from county records.0.11
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 190 ft²

Transaction History(11)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Franklin High SchoolC-
High · Grades 9–12 · 0.3 mi
M
Franklin Junior High SchoolC-
Middle · Grades 6–8 · 1.1 mi
E
George H. Gerke Elementary School
Elementary · Grades 1–1 · 1.3 mi

District: Franklin City School District

Neighborhood · ZIP 45005These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.214
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.34,844
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.949 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,909
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,175
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

638 S River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 95% of homes in Warren County
  • Costs less per square foot than 96% of homes in Warren County
  • Smaller than 78% of homes in Warren County
  • Has a smaller lot than 97% of homes in Franklin 45005
  • Older than 97% of homes in Warren County

What homes are worth in Franklin 45005

Each bar is how many homes fall in that price range. The marker is this home.

This home
$97K$590K

This home is worth more than 16% of homes in Franklin 45005.

How it measures up in Franklin 45005

The dot is this home. The mark in the middle is the typical home in Franklin 45005.

Estimated value$161,528
CheaperTypical $252,910Pricier

Pricier than 16% of homes nearby

Price per ft²$119
CheaperTypical $171Pricier

Pricier than 13% of homes nearby

Living area1,359 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.11 ac
SmallerTypical 0.36 acBigger

Bigger than 3% of homes nearby

Year built1915
OlderTypical 1971Newer

Newer than 5% of homes nearby

How 638 S River St ranks against every home in each area.
MeasureThis homeFranklin 45005Warren County
Estimated valuepricier than$161,52816% of homes5% of homes
Price per ft²pricier than$11913% of homes4% of homes
Living areabigger than1,359 ft²44% of homes22% of homes
Lot sizebigger than0.11 ac3% of homes5% of homes
Year builtnewer than19155% of homes3% of homes

About 638 S River St

How much is 638 S River St, Franklin, OH worth?

The TopHap Estimate for 638 S River St, Franklin, OH is $161,528 as of Jul 14, 2026. The likely range is $130,710 to $192,346. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 S River St, Franklin, OH last sell?

638 S River St, Franklin, OH last sold on Apr 11, 2025 for $155,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 638 S River St, Franklin, OH?

638 S River St, Franklin, OH has 4 bedrooms, 1 bathrooms, 1,359 square feet of living space and a 0.11-acre lot.

When was 638 S River St, Franklin, OH built?

638 S River St, Franklin, OH was built in 1915, making it 111 years old. The building has 2 stories.

What schools serve 638 S River St, Franklin, OH?

638 S River St, Franklin, OH is assigned to Franklin High School (high), rated C-; Franklin Junior High School (middle), rated C-; George H. Gerke Elementary School (elementary). All sit in Franklin City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 638 S River St, Franklin, OH compare to other homes in Franklin 45005?

Among the 11,815 homes in Franklin 45005, it is worth more than 16% of them ($161,528 against a typical $252,910), its price per square foot is higher than 13% of them ($119 against a typical $171), it is bigger than 44% of them (1,359 ft² against a typical 1,440 ft²), its lot is bigger than 3% of them (0.11 ac against a typical 0.36 ac) and it is newer than 5% of them (1915 against a typical 1971). Measured against all of Warren County, it is worth more than 5% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 638 S River St, Franklin, OH?

The 2024 property tax bill for 638 S River St, Franklin, OH was $744. The county assessed it at $44,510.

Closest homes

More homes in Franklin 45005

Assigned schools

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