Hamilton County property record for 10645 Mill Rd, Cincinnati, OH 45240
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,222 sqft · built 1977 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Oct 2020) |
| Tax Bill | $4,266 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0393-0056-00 |
| Primary APN | 590-0393-0056-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,222 sqft Living Area |
| 1st Floor Area | 1,030 sqft |
| 2nd Floor Area | 1,192 sqft |
| Basement Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 10645 MILL RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45240-3542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILL RD 100 X 200 LOT 164 RIDGEVALE SUB BLKA PT 4 |
| Legal Subdivision | RIDGEVALE SUB |
| Legal Block | A |
| Legal Lot Number | 164 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21509 |
Source: Hamilton County records · APN 590-0393-0056-00
Assessment roll updated March 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 1411 ADAMS ST, CINCINNATI, OH 45215-1907 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 03, 2023 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Oct 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 12, 2020 · Amount on Record |
| Deed Sale | Oct 12, 2020 · Amount on Record |
| Prior Sale | Nov 13, 2015 · Amount on Record |
| Deed Document Number | 0000105160 |
| Deed Book / Page | 14272 / 1112 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 10645 MILL RD, CINCINNATI, OH 45240-3542 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10645 MILL RD, CINCINNATI, OH 45240-3542 |
| Investor | Possibly a Property Investor |
| Document Number | 0000045406 |
|---|---|
| Date | Jul 03, 2023 |
| Book Page | 14949/125 |
| Instrument | 2023-0045406 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 12, 2020 |
| Property Address | 10645 MILL RD, CINCINNATI, OH 45240-3542 |
| Document Number | 0000105160 |
| Book / Page | 14272 / 1112 |
| Map Reference | MB 32 PG 52&53 |
| Instrument Date | Oct 02, 2020 |
| Instrument | 2020-0105160 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | BUCKEYE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10645 MILL RD, CINCINNATI, OH 45240-3542 |
| Investor | Possibly a Property Investor |
| Document Number | 0000105161 |
|---|---|
| Date | Oct 12, 2020 |
| Instrument | 2020-0105161 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Springfield Township |
| Unified School District | Mount Healthy City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,266.00 (+0.92%) | $73,500 (-) Land $14,602 Building $58,898 | |
| 2024 | $4,227.00 (+5.28%) | $73,500 (-) Land $14,602 Building $58,898 | |
| 2023 | $4,015.00 (-4.65%) | $73,500 (+32.39%) Land $14,602 Building $58,898 | $210,000 (+32.39%) Land $41,720 Building $168,280 |
| 2022 | $4,211.00 Homeowner's exemption | $55,517 Land $14,238 Building $41,279 | |
| 2020 | $158,620 Land $40,680 Building $117,940 |
Source: FEMA National Flood Hazard Layer as of December 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1996 · rainfall accumulation |
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 248 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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