1028 Towne St, Cincinnati, OH 45216 Property Records

Hamilton County property record for 1028 Towne St, Cincinnati, OH 45216

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4.5 ba · 4,892 sqft · built 1960
Lot Size	0.224 acres (9,757 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Jan 2019)
Tax Bill	$7,141 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`116-0001-0012-00`

Property Details

APN / Parcel Number

Primary APN	`116-0001-0012-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,892 sqft Living Area
Gross Area	5,846 sqft
1st Floor Area	1,954 sqft
2nd Floor Area	1,938 sqft
Basement Area	1,954 sqft
Finished Basement	1,000 sqft
Unfinished Basement	954 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Basement
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1028 TOWNE ST
City	CINCINNATI
State	OH
Zip	45216-2226
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RM12
Legal Description	TOWNE ST 75 X 130 PT LOT 4 KUHL & SPRONG
Legal Subdivision	KUHL & SPRONG
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4000
Census Tract	6400

Owner

1028 Towne St, a residential property, is owned and occupied by two individuals who bought it in January 2019.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1028 TOWNE ST, CINCINNATI, OH 45216-2226
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	2 Names on Deed
Last Sale	Jan 11, 2019 · Amount on File
Deed Sale	Jan 11, 2019 · Amount on File
Deed Document Number	20193254
Deed Book / Page	13832 / 708
Prior Transfer Date	Sep 4, 2009
Prior Transfer Doc	0000000959
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 11, 2019
Property Address	1028 TOWNE ST, CINCINNATI, OH 45216-2226
Document Number	0000003254
Book / Page	013832 / 000708
Instrument Date	Dec 28, 2018
Instrument	3254
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$519.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1028 TOWNE ST CINCINNATI OH 452162226, CINCINNATI, OH 45216-2226

Mortgage

Document Number	3255
Date	Jan 11, 2019
Book Page	013832/000710
Instrument	3255

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1028 Towne St was $7,141, down 4.8% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,141.00 (-4.82%)	$113,750 (-6%) Land $9,338 Building $104,412	$325,000 Land $26,680 Building $298,320
2024	$7,503.00 (-0.94%)	$121,016 (-) Land $9,338 Building $111,678
2023	$7,574.00 (+79.44%)	$121,016 (+99.86%) Land $9,338 Building $111,678	$325,000 Land $26,680 Building $298,320
2022	$4,221.00 Homeowner's exemption	$60,551 Land $8,404 Building $52,147
2020			$173,000 Land $24,010 Building $148,990

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 1028 Towne St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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 Claims	3 (1978–1982)
Most Recent Claim	Mar 1982 · 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 1028 Towne St 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 98% of the US · lower than 90% 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	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 336 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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