12005 Harbortown Dr, Cincinnati, OH 45249 Property Records

Hamilton County property record for 12005 Harbortown Dr, Cincinnati, OH 45249

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,464 sqft · built 1984
Lot Size	0.553 acres (24,132 sqft)
Owner	Individual Name on File
Last Sale	$276,500 (May 2007)
Tax Bill	$8,600 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`620-0190-0258-00`

Property Details

APN / Parcel Number

Primary APN	`620-0190-0258-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,464 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,232 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	24,132 sqft (0.553 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	12005 HARBORTOWN DR
City	CINCINNATI
State	OH
Zip	45249-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYPRESSPOINT LN HARBORTOWN DR 120 X 200 IRR LOT 36 HARBOR TOWN SUB BL A
Legal Subdivision	HARBOR TOWN SUB
Legal Block	A
Legal Lot Number	36
Jurisdiction	HAMILTON OH
Township / Civil Division	SYMMES
Census Block Group	3
Census Block	3010
Census Tract	24301

Owner

12005 Harbortown Dr is owned and occupied by an individual who bought it in May 2007.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12005 HARBORTOWN DR, CINCINNATI, OH 45249-1759
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 20, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK NA
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2007 · Amount on File
Deed Sale	May 4, 2007 · Amount on File
Deed Document Number	124156
Deed Book / Page	10541 / 00127
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	12005 HARBORTOWN DR, CINCINNATI, OH 45249-1759
Document Number	0000034505
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12005 HARBORTOWN DR CINCINNATI OH 452491759, CINCINNATI, OH 45249-1759

Mortgage

Document Number	0000034505
Date	Apr 14, 2020
Book Page	014146/000346
Instrument	34505

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	12005 HARBORTOWN DR, CINCINNATI, OH 45249-1759
Document Number	0000108759
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12005 HARBORTOWN DR CINCINNATI OH 452491759, CINCINNATI, OH 45249-1759

Mortgage

Document Number	0000108759
Date	Dec 9, 2019
Book Page	014059/001727
Instrument	108759

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 8, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 12005 Harbortown Dr was $8,600, up 3.2% 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	Symmes Township
Unified School District	Sycamore Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,600.00 (+3.22%)	$168,959 (-) Land $23,905 Building $145,054
2024	$8,332.00 (+0.58%)	$168,959 (-) Land $23,905 Building $145,054
2023	$8,284.00 (+24.74%)	$168,959 (+53.89%) Land $23,905 Building $145,054	$482,740 Land $68,300 Building $414,440
2022	$6,641.00 Homeowner's exemption	$109,795 Land $24,570 Building $85,225
2020			$313,700 Land $70,200 Building $243,500

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 12005 Harbortown 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 12005 Harbortown 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 99.1% of the US · lower than 96% 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 90 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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