118 E Liberty St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 118 E Liberty St, Cincinnati, OH 45202

Property Summary

Property Type	Apartments (5+ Units)
Details	5,208 sqft · built 1865
Lot Size	0.042 acres (1,830 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Feb 2024)
Tax Bill	$3,864 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094-0007-0160-00`

Property Details

APN / Parcel Number

Primary APN	`094-0007-0160-00`
Alternative APN	`0088880`

Interior

Total Rooms	4 Rooms
Units	8 Units
Stories	3 Stories
Building Area	5,208 sqft
Basement Area	1,288 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Lot Area	1,830 sqft (0.042 acres)
Lot Dimensions	90 ft deep x 20 ft wide

Location & Zoning

Street Address	118 E LIBERTY ST
City	CINCINNATI
State	OH
Zip	45202-6566
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	CCP
Legal Description	118 E LIBERTY ST 20 X 90 LOT 196 HUGH MOORE SUB
Legal Subdivision	HUGH MOORE SUB
Legal Lot Number	196
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2014
Census Tract	1700

Owner

118 E Liberty St, a residential property, is owned and occupied by two individuals who bought it in February 2024.

Source: Hamilton County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Nov 21, 2025	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Feb 15, 2024	Fiduciary Deed, Transfer · VA Mortgage EMM LOANS LLC
Sep 21, 2023	Warranty Deed, Transfer
May 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on File
Deed Sale	Feb 15, 2024 · Amount on File
Prior Sale	Sep 27, 2004 · Amount on File
Deed Document Number	202410440
Deed Book / Page	15104 / 627
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566

Mortgage

Document Number	0000091496
Date	Nov 21, 2025
Book Page	15548/2088
Instrument	2025-0091496

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 15, 2024
Property Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566
Document Number	0000010440
Book / Page	15104 / 627
Map Reference	MB 2 PG 184
Instrument Date	Feb 8, 2024
Instrument	2024-0010440
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566

Mortgage

Document Number	0000010441
Date	Feb 15, 2024
Instrument	2024-0010441

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 21, 2023
Property Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566
Document Number	0000067255
Book / Page	15005 / 994
Map Reference	MB 2 PG 184
Instrument Date	Sep 13, 2023
Instrument	2023-0067255
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 763, ORINDA, CA 94563-0763

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 18, 2021
Property Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566
Document Number	0000061482
Book / Page	14420 / 1139
Map Reference	MB 2 PG 184
Instrument Date	May 14, 2021
Instrument	2021-0061482
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E LIBERTY ST, CINCINNATI, OH 45202-6566

Tax Assessment & Valuation

The 2025 property tax bill for 118 E Liberty St was $3,864, up 0.7% from the year before.

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

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	$3,864.00 (+0.68%)	$46,575 (-) Land $18,963 Building $27,612	$133,070 Land $54,180 Building $78,890
2024	$3,838.00 (+0.26%)	$46,575 (-) Land $18,963 Building $27,612
2023	$3,828.00 (+19.1%)	$46,575 (+38.07%) Land $18,963 Building $27,612	$133,070 Land $54,180 Building $78,890
2022	$3,214.00	$33,733 Land $16,240 Building $17,493
2020			$96,380 Land $46,400 Building $49,980

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 118 E Liberty St 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

The area around 118 E Liberty St has no burnable land within ember reach, so its wildfire risk is not rated.

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 723 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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