103 Harter Ave, Cincinnati, OH 45246 Property Records

Hamilton County property record for 103 Harter Ave, Cincinnati, OH 45246

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,774 sqft · built 1963
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on File
Last Sale	$257,000 (Sep 2023)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`599-0032-0205-00`

Property Details

APN / Parcel Number

Primary APN	`599-0032-0205-00`
Alternative APN	`0041417`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	2,708 sqft
1st Floor Area	1,174 sqft
Basement Area	1,174 sqft
Finished Basement	600 sqft
Unfinished Basement	574 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	130 ft deep x 38.4 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	103 HARTER AVE
City	CINCINNATI
State	OH
Zip	45246-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTER AVE 38.43 X 130.08IRR LOT 19 SPRINGDALE TER3RD SUB BLK A PART 2
Legal Subdivision	SPRINGDALE TER3RD SUB
Legal Block	A
Legal Lot Number	19
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGDALE
Census Block Group	3
Census Block	3012
Census Tract	22301

Owner

103 Harter Ave is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	103 HARTER AVE, CINCINNATI, OH 45246-3103
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
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC
Mar 30, 2020	Deed of Trust, Mortgage · Conventional with PMI US BK
Sep 5, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Sep 5, 2018 · Amount on File
Deed Document Number	202363400
Deed Book / Page	14995 / 1022
Prior Transfer Date	Jan 8, 1998
Prior Transfer Doc	0075500358
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 7, 2023
Property Address	103 HARTER AVE, CINCINNATI, OH 45246-3103
Document Number	0000063400
Book / Page	14995 / 1022
Map Reference	MB 110 PG 6
Instrument Date	Aug 31, 2023
Instrument	2023-0063400
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARTER AVE, CINCINNATI, OH 45246-3103

Mortgage

Document Number	0000063401
Date	Sep 7, 2023
Instrument	2023-0063401

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	103 HARTER AVE, CINCINNATI, OH 45246-3103
Document Number	0000031965
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARTER AVE CINCINNATI OH 452463103, CINCINNATI, OH 45246-3103

Mortgage

Document Number	0000031965
Date	Apr 6, 2020
Book Page	014140/000999
Instrument	31965

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 5, 2018
Property Address	103 HARTER AVE, CINCINNATI, OH 45246-3103
Document Number	0000078590
Book / Page	13746 / 02741
Map Reference	MB 110 PG 6
Instrument Date	Aug 28, 2018
Instrument	2018-0078590
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARTER AVE, CINCINNATI, OH 45246-3103

Mortgage

Document Number	0000078591
Date	Sep 5, 2018
Instrument	2018-0078591

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 103 Harter Ave was $3,131, up 16.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,131.00 (+16.39%)	$62,430 (-) Land $12,670 Building $49,760	$178,370 Land $36,200 Building $142,170
2024	$2,690.00 (-0.22%)	$62,430 (-) Land $12,670 Building $49,760
2023	$2,696.00 (-2%)	$62,430 (+20.52%) Land $12,670 Building $49,760	$178,370 Land $36,200 Building $142,170
2022	$2,751.00 Homeowner's exemption	$51,801 Land $9,216 Building $42,585
2020			$148,000 Land $26,330 Building $121,670

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 103 Harter Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Jul 1985 · tidal / storm surge

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 103 Harter Ave 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	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 351 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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