1109 Cutter St, Cincinnati, OH 45203 Property Records

Hamilton County property record for 1109 Cutter St, Cincinnati, OH 45203

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,127 sqft · built 2003
Lot Size	0.044 acres (1,960 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2022)
Tax Bill	$7,755 (2025)
Deeds & Mortgages	Sep 2023 Sale Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135-0002-0263-00`

Property Details

APN / Parcel Number

Primary APN	`135-0002-0263-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,127 sqft Living Area
1st Floor Area	543 sqft
2nd Floor Area	1,584 sqft

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	1,960 sqft (0.044 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1109 CUTTER ST
City	CINCINNATI
State	OH
Zip	45203-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WS CUTTER ST 0.0455 AC LOT 39 LINCOLN COURT SOUTH SUB
Legal Subdivision	LINCOLN COURT SOUTH SUB
Legal Lot Number	39
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	5
Census Block	5004
Census Tract	26400

Owner

Source: Hamilton County records, as of February 9, 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	1109 CUTTER ST, CINCINNATI, OH 45203-3121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage RIVERHILLS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	0000043411
Deed Book / Page	14657 / 851
Last Transfer Date	Sep 12, 2023
Transfer Doc	0000064425
Record Updated	Jun 8, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 12, 2023
Property Address	1109 CUTTER ST, CINCINNATI, OH 45203-3121
Document Number	0000064425
Book / Page	14998 / 226
Map Reference	MB 365 PG 64-67
Instrument Date	Sep 6, 2023
Instrument	2023-0064425
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$142.80
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 CUTTER ST, CINCINNATI, OH 45203-3121

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 29, 2022
Property Address	1109 CUTTER ST, CINCINNATI, OH 45203-3121
Document Number	0000043411
Book / Page	14657 / 851
Map Reference	MB 365 PG 64-67
Instrument Date	Apr 22, 2022
Instrument	2022-0043411
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1109 CUTTER ST, CINCINNATI, OH 45203-3121

Mortgage

Document Number	0000043412
Date	Apr 29, 2022
Instrument	2022-0043412

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,755.00 (+3.14%)	$126,000 (-) Land $30,450 Building $95,550
2024	$7,519.00 (-2.21%)	$126,000 (-) Land $30,450 Building $95,550
2023	$7,689.00 (+13.04%)	$126,000 (+26.05%) Land $30,450 Building $95,550	$360,000 (+26.05%) Land $87,000 Building $273,000
2022	$6,802.00 Homeowner's exemption	$99,960 Land $9,870 Building $90,090
2020			$285,600 Land $28,200 Building $257,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 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	None 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 332 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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