1115 Hearthstone Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 1115 Hearthstone Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,850 sqft · built 1962
Lot Size	0.233 acres (10,193 sqft)
Owner	Owner Name on File
Last Sale	$151,000 (Jul 2014)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-0224-0228-00`

Property Details

APN / Parcel Number

Primary APN	`590-0224-0228-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	1,044 sqft
2nd Floor Area	806 sqft
Basement Area	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	10,193 sqft (0.233 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	77 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1115 HEARTHSTONE DR
City	CINCINNATI
State	OH
Zip	45231-5834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSTONE DR 75 X 150 IRR LOT 77 SPRING MEADOWSSUB BLK B PT 2
Legal Subdivision	SPRING MEADOWS SUB
Legal Block	B
Legal Lot Number	77
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4014
Census Tract	22102

Owner

The current owner of 1115 Hearthstone Dr acquired it in July 2014.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Owner Name on File
Mailing Address	1115 HEARTHSTONE DR, CINCINNATI, OH 45231-5834
Occupancy	Owner Occupied

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

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 24, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Last Sale	Jul 15, 2014 · Amount on File
Deed Sale	Jul 15, 2014 · Amount on File
Prior Sale	Dec 4, 2013
Deed Document Number	321044
Last Transfer Date	Jul 16, 2014
Transfer Doc	0000070213
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1115 HEARTHSTONE DR, CINCINNATI, OH 45231-5834
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 HEARTHSTONE DR F, F, CINCINNATI, OH 45231-5834

Mortgage

Document Number	0000066543
Date	Sep 19, 2023
Book Page	15003/646
Instrument	2023-0066543

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1115 HEARTHSTONE DR, CINCINNATI, OH 45231-5834
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008420
Date	Jan 24, 2022
Book Page	14589/2366
Instrument	2022-0008420

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1115 Hearthstone Dr was $5,209, up 2.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Springfield Township
Unified School District	Finneytown Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,209.00 (+2.36%)	$74,648 (+%) Land $15,487 Building $59,161
2024	$5,089.00 (+1.72%)	$74,647 (-) Land $15,487 Building $59,160
2023	$5,003.00 (+9.69%)	$74,647 (+51.23%) Land $15,487 Building $59,160	$213,280 Land $44,250 Building $169,030
2022	$4,561.00 Homeowner's exemption	$49,361 Land $12,187 Building $37,174
2020			$141,030 Land $34,820 Building $106,210

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 1115 Hearthstone Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1115 Hearthstone Dr 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 97% of the US · lower than 85% 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.

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 559 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

May also be available: T-Mobile, Verizon.

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