1005 Hearthstone Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 1005 Hearthstone Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,924 sqft · built 1976
Lot Size	0.251 acres (10,977 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,252 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`590-0224-0490-00`

Property Details

APN / Parcel Number

Primary APN	`590-0224-0490-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
1st Floor Area	962 sqft
2nd Floor Area	962 sqft
Basement Area	962 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	10,977 sqft (0.251 acres)
Lot Dimensions	133 ft deep x 28 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	54 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1005 HEARTHSTONE DR
City	CINCINNATI
State	OH
Zip	45231-5814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSTONE DR 28.88 X 133.56 IRR LOT 45 SPRING MEADOWS SUB BLK D PART 1
Legal Subdivision	SPRING MEADOWS SUB
Legal Block	D
Legal Lot Number	45
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4015
Census Tract	22102

Owner

1005 Hearthstone Dr is owned and occupied by two individuals who acquired it in May 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	1005 HEARTHSTONE DR, CINCINNATI, OH 45231-5814
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

Date	Document
Aug 28, 2025	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Feb 1, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 1995
Deed Sale	May 31, 1995
Prior Sale	May 31, 1995
Deed Document Number	9569602
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1005 HEARTHSTONE DR, CINCINNATI, OH 45231-5814
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 HEARTHSTONE DR, CINCINNATI, OH 45231-5814

Mortgage

Document Number	0000065986
Date	Aug 28, 2025
Book Page	15489/1938
Instrument	2025-0065986

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 18, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 1, 2023
Property Address	1005 HEARTHSTONE DR, CINCINNATI, OH 45231-5814
Document Number	0000007914
Book / Page	14844 / 721
Map Reference	MB 40 PG 48
Instrument Date	Jan 26, 2023
Instrument	2023-0007914
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1005 HEARTHSTONE DR, CINCINNATI, OH 45231-5814

Tax Assessment & Valuation

The 2025 property tax bill for 1005 Hearthstone Dr was $6,252, up 2.4% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Springfield Township
Unified School District	Finneytown Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,252.00 (+2.36%)	$89,642 (+%) Land $12,092 Building $77,550
2024	$6,108.00 (+1.72%)	$89,641 (-) Land $12,092 Building $77,549
2023	$6,005.00 (+12.28%)	$89,641 (+54.8%) Land $12,092 Building $77,549	$256,120 Land $34,550 Building $221,570
2022	$5,348.00 Homeowner's exemption	$57,908 Land $9,513 Building $48,395
2020			$165,450 Land $27,180 Building $138,270

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

Flood

FEMA maps place 1005 Hearthstone Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1005 Hearthstone Dr 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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