10315 Howard Rd, Harrison, OH 45030 Property Records

Hamilton County property record for 10315 Howard Rd, Harrison, OH 45030

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,164 sqft · built 1976
Lot Size	5.15 acres (224,421 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Mar 2025)
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`560-0120-0057-00`

Property Details

APN / Parcel Number

Primary APN	`560-0120-0057-00`
Alternative APN	`0084457`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,164 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	952 sqft
2nd Floor Area	762 sqft
Upper Floors Area	762 sqft
Basement Area	952 sqft
Finished Basement	450 sqft
Unfinished Basement	502 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	224,421 sqft (5.15 acres)
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	10315 HOWARD RD
City	HARRISON
State	OH
Zip	45030-9511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Description	HOWARD RD 5.10 AC R1-T2-S5 NW
Jurisdiction	HAMILTON OH
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2000
Census Tract	26001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10315 HOWARD RD, HARRISON, OH 45030-9511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2025	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Mar 19, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CIVISTA BANK
Aug 18, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2025 · Amount on Record
Deed Sale	Mar 19, 2025 · Amount on Record
Prior Sale	Aug 18, 2022 · Amount on Record
Deed Document Number	202518893
Deed Book / Page	15376 / 269
Prior Transfer Date	Mar 13, 2025
Prior Transfer Doc	0000018893
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10315 HOWARD RD, HARRISON, OH 45030-9511
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10315 HOWARD RD, HARRISON, OH 45030-9511

Mortgage

Document Number	0000027731
Date	Apr 17, 2025
Book Page	15397/885
Instrument	2025-0027731

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 19, 2025
Property Address	10315 HOWARD RD, HARRISON, OH 45030-9511
Document Number	0000018893
Book / Page	15376 / 269
Instrument Date	Mar 13, 2025
Instrument	2025-0018893
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	UNKNOWN, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10315 HOWARD RD, HARRISON, OH 45030-9511

Mortgage

Document Number	0000018894
Date	Mar 19, 2025
Instrument	2025-0018894

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 18, 2022
Property Address	10315 HOWARD RD, HARRISON, OH 45030-9511
Document Number	0000080264
Book / Page	14733 / 583
Instrument Date	Jul 28, 2022
Instrument	2022-0080264
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	GRANDE TITLE AGENCY LLC, TANDEM TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10315 HOWARD RD, HARRISON, OH 45030-9511

Mortgage

Document Number	0000080265
Date	Aug 18, 2022
Instrument	2022-0080265

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,069.00 (+6.27%)	$122,501 (+%) Land $29,257 Building $93,244	$350,000 (-) Land $83,590 Building $266,410
2024	$4,770.00 (-0.38%)	$122,499 (-) Land $29,256 Building $93,243
2023	$4,788.00 (+34.31%)	$122,499 (+53.82%) Land $29,256 Building $93,243	$350,000 (+53.82%) Land $83,590 Building $266,410
2022	$3,565.00 Homeowner's exemption	$79,639 Land $31,346 Building $48,293
2020			$227,540 Land $89,560 Building $137,980

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

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 Policies	1 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2005 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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	HARRISON CITY PWS serves 11,600 people · EPA ID OH3100812
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	SOUTHWEST REGIONAL WATER DISTRICT
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	3 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 30 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

May also be available: Verizon.

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