105 Central Ter, Cincinnati, OH 45215 Property Records

Hamilton County property record for 105 Central Ter, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,869 sqft · built 1997
Lot Size	0.609 acres (26,528 sqft)
Owner	Individual Name on File
Last Sale	$1,320,000 (May 2025)
Tax Bill	$21,324 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`592-0004-0075-00`

Property Details

APN / Parcel Number

Primary APN	`592-0004-0075-00`
Alternative APN	`SYO0100258`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	5,869 sqft Living Area
Gross Area	8,590 sqft
1st Floor Area	3,869 sqft
Basement Area	3,869 sqft
Finished Basement	2,000 sqft
Unfinished Basement	1,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	26,528 sqft (0.609 acres)
Garage Type	Attached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	105 CENTRAL TER
City	CINCINNATI
State	OH
Zip	45215-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL TERRACE FT IRR PT LT 8-9 J OLIVERS EST SUB
Legal Subdivision	OLIVERS EST SUB
Legal Lot Number	8-9
Jurisdiction	HAMILTON OH
Township / Civil Division	WYOMING
Census Block Group	3
Census Block	3000
Census Tract	22601

Owner

105 Central Ter is owned and occupied by an individual who bought it in May 2025.

Source: Hamilton County records, as of July 31, 2026

Owner of Record	Individual Name on File
Mailing Address	105 CENTRAL TER, CINCINNATI, OH 45215-2652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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	Name on Deed
Last Sale	May 29, 2025 · Amount on File
Deed Sale	May 29, 2025 · Amount on File
Prior Sale	Sep 12, 1996
Deed Document Number	202539758
Deed Book / Page	15426 / 2034
Prior Transfer Date	May 13, 2011
Prior Transfer Doc	0000000669
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 29, 2025
Property Address	105 CENTRAL TER, CINCINNATI, OH 45215-2652
Document Number	0000039758
Book / Page	15426 / 2034
Map Reference	MB 28 PG 77
Instrument Date	Apr 30, 2025
Instrument	2025-0039758
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CENTRAL TER, CINCINNATI, OH 45215-2652

Mortgage

Document Number	0000039759
Date	May 29, 2025
Instrument	2025-0039759

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 105 Central Ter was $21,324, up 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21,324.00 (+2.45%)	$350,448 (-) Land $59,234 Building $291,214	$1,001,280 Land $169,240 Building $832,040
2024	$20,815.00 (+8.46%)	$350,448 (-) Land $59,234 Building $291,214
2023	$19,191.00 (-1.13%)	$350,448 (+22.27%) Land $59,234 Building $291,214	$1,001,280 Land $169,240 Building $832,040
2022	$19,411.00 Homeowner's exemption	$286,612 Land $41,080 Building $245,532
2020			$818,890 Land $117,370 Building $701,520

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 105 Central Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · 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 105 Central Ter 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 95% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 232 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20