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10986 Main St, Cincinnati, OH 45241 Property Records

Hamilton County property record for 10986 Main St, Cincinnati, OH 45241

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,876 sqft · built 1991
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$208,000 (Dec 2008)
Tax Bill$4,064 (2025)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN608-0007-0209-00

Property Details

APN / Parcel Number

Primary APN608-0007-0209-00
Alternative APN
  • 200681601

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,876 sqft Living Area
Gross Area3,898 sqft
1st Floor Area1,516 sqft
2nd Floor Area360 sqft
Basement Area1,516 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleConventional
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof MaterialFiberglass
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions148 ft deep x 100 ft wide
Garage TypeAttached
Garage Area506 sqft
Parking Spaces2 Parking Spaces
PorchOpen Frame Porch
Porch Area91 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address10986 MAIN ST
CityCINCINNATI
StateOH
Zip45241-2502
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHARON AVE 100 X 148 FT LOT 2 MCSWAIN SUB BL B
Legal SubdivisionMCSWAIN SUB
Legal BlockB
Legal Lot Number2
JurisdictionHAMILTON OH
Township / Civil DivisionSHARONVILLE
Census Block Group3
Census Block3006
Census Tract23002

Owner

10986 Main St is owned and occupied by two individuals who acquired it in August 2020.

Source: Hamilton County records, as of January 21, 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 Record2 Individual Names on File
Mailing Address10986 MAIN ST, CINCINNATI, OH 45241-2502
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 31, 2008 · Amount on File
Deed SaleDec 31, 2008 · Amount on File
Prior SaleMar 28, 2005 · Amount on File
Deed Document Number2008167212
Deed Book / Page11032 / 1151
Last Transfer DateAug 5, 2020
Transfer Doc0000083127
Record UpdatedSep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON OH
Recording DateAug 20, 2020
Property Address10986 MAIN ST, CINCINNATI, OH 45241-2502
Document Number0000083127
Book / Page014236 / 000741
Instrument DateAug 5, 2020
Instrument83127
Transaction TypeTransfer
Record UpdatedOct 30, 2020
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10986 MAIN ST SHARONVILLE OH 452412502, SHARONVILLE, OH 45241-2502

Mortgage

Document Number83128
DateAug 20, 2020
Book Page014236/000743
Instrument83128
Lender
NameUNION SVGS
TypeFederal Savings Bank
AddressCINCINNATI, OH 45249
Agreement
AmountAmount on Record
Term360 Months
DueAug 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10986 Main St was $4,064, up 17.2% from the year before.

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
MunicipalitySharonville City
Unified School DistrictPrinceton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,064.00 (+17.15%)$85,439 (-) Land $18,515 Building $66,924$244,110 Land $52,900 Building $191,210
2024$3,469.00 (-0.09%)$85,439 (-) Land $18,515 Building $66,924
2023$3,472.00 (-16.9%)$85,439 (+3.37%) Land $18,515 Building $66,924$244,110 Land $52,900 Building $191,210
2022$4,178.00 Homeowner's exemption$82,653 Land $18,515 Building $64,138
2020$236,150 Land $52,900 Building $183,250

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 10986 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims21 (1979–2020)
Claims Outside the SFHA8 of 21
Most Recent ClaimMay 2020 · other causes
Claims by Event
  • Severe Storms And Flooding, Apr 2011 · 4 claims

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 10986 Main St 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 RiskLow
lower than 98% of the US · lower than 90% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCINCINNATI PUBLIC WATER SYSTEM
serves 800,000 people · EPA ID OH3102612
Water SourceSurface water
Last State InspectionDec 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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