Hamilton County property record for 105 E Charlotte Ave, Cincinnati, OH 45215
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,262 sqft · built 1946 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jan 2024) |
| Tax Bill | $4,046 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 592-0002-0169-00 |
| Primary APN | 592-0002-0169-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,262 sqft Living Area |
| Gross Area | 2,122 sqft |
| 1st Floor Area | 878 sqft |
| Attic | Attic |
| Attic Area | 384 sqft |
| Basement Area | 860 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 11,500 sqft (0.264 acres) |
| Lot Dimensions | 165 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 105 E CHARLOTTE AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45215-2149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARLOTTE AVE 90.01 X 165 FT IRR PT LOTS 9- 10 BIRD PARK SUB PARS 169 & 187 CONS |
| Legal Subdivision | BIRD PARK SUB |
| Legal Lot Number | 9-10 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | WYOMING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 22602 |
Source: Hamilton County records, as of July 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Nov 18, 2025 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Mar 27, 2024 | Transfer on Death Deed, Transfer |
| Jan 17, 2024 | Warranty Deed, Transfer · VA Mortgage UMORTGAGE LLC |
| Feb 21, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2024 · Amount on Record |
| Deed Sale | Jan 17, 2024 · Amount on Record |
| Prior Sale | Aug 11, 2010 · Amount on Record |
| Deed Document Number | 20243618 |
| Deed Book / Page | 15083 / 1061 |
| Last Transfer Date | Mar 20, 2024 |
| Transfer Doc | 0000019968 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 29, 2026 |
| Property Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000052434 |
| Book / Page | 15696 / 1263 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202652434 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000052434, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 15696/1263 |
| Instrument | 202652434 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.85% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000089938 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 15545/165 |
| Instrument | 2025-0089938 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 27, 2024 |
| Property Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000019968 |
| Book / Page | 15132 / 1234 |
| Map Reference | MB 42 PGS 28 AND 29 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024-0019968 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 17, 2024 |
| Property Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000003618 |
| Book / Page | 15083 / 1061 |
| Map Reference | MB 42 PG 28&29 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2024-0003618 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000003619 |
|---|---|
| Date | Jan 17, 2024 |
| Instrument | 2024-0003619 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 21, 2023 |
| Property Address | 105 E CHARLOTTE AVE, CINCINNATI, OH 45215-2149 |
| Document Number | 0000012111 |
| Book / Page | 14857 / 1465 |
| Map Reference | MB 42 PG 28&29 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 2023-0012111 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 105 E CHARLOTTE AVE, WYOMING, OH 45215-2149 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Wyoming City |
| Unified School District | Wyoming City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,046.00 (+2.35%) | $66,445 (+%) Land $13,752 Building $52,693 | $189,840 (-) Land $39,290 Building $150,550 |
| 2024 | $3,953.00 (+4.74%) | $66,443 (-) Land $13,751 Building $52,692 | |
| 2023 | $3,774.00 (+15.73%) | $66,443 (+42.8%) Land $13,751 Building $52,692 | $189,840 (+42.8%) Land $39,290 Building $150,550 |
| 2022 | $3,261.00 | $46,530 Land $12,604 Building $33,926 | |
| 2020 | $132,940 Land $36,010 Building $96,930 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% 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.
Source: FCC Broadband Data Collection, based on 192 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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