10445 Howard Rd, Harrison, OH 45030 Property Records

Hamilton County property record for 10445 Howard Rd, Harrison, OH 45030

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,458 sqft · built 1966
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Mar 2015)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Oct 2018 Mortgage May 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`560-0120-0034-00`

Property Details

APN / Parcel Number

Primary APN	`560-0120-0034-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
Gross Area	2,358 sqft
1st Floor Area	810 sqft
2nd Floor Area	648 sqft
Basement Area	540 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	10445 HOWARD RD
City	HARRISON
State	OH
Zip	45030-8706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	HOWARD RD 100 X 200 LOT 15 DALESSANDRO SUB BLK A
Legal Subdivision	DALESSANDRO SUB
Legal Block	A
Legal Lot Number	15
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	10445 HOWARD RD, HARRISON, OH 45030-8706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2015 · Amount on Record
Deed Sale	Mar 9, 2015 · Amount on Record
Deed Document Number	201522851
Deed Book / Page	12838 / 1905
Prior Transfer Date	Aug 12, 1996
Prior Transfer Doc	0000130080
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10445 HOWARD RD, HARRISON, OH 45030-8706
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093762
Date	Oct 22, 2018
Book Page	13779/01663
Instrument	2018-0093762

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10445 HOWARD RD, HARRISON, OH 45030-8706
Document Number	0000048051
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10445 HOWARD RD HARRISON OH 450308706, HARRISON, OH 45030-8706

Mortgage

Document Number	0000048051
Date	May 21, 2020
Book Page	014173/002336
Instrument	48051

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2035

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	$2,724.00 (+6.78%)	$65,927 (+%) Land $15,348 Building $50,579	$188,360 (-) Land $43,850 Building $144,510
2024	$2,551.00 (-0.7%)	$65,925 (-) Land $15,347 Building $50,578
2023	$2,569.00 (+16.61%)	$65,925 (+33.35%) Land $15,347 Building $50,578	$188,360 (+33.35%) Land $43,850 Building $144,510
2022	$2,203.00 Homeowner's exemption	$49,438 Land $16,464 Building $32,974
2020			$141,250 Land $47,040 Building $94,210

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 45 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

Cell Coverage

5G (outdoors only) and 4G LTE

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