1203 Cutter St, Cincinnati, OH 45203 Property Records

Hamilton County property record for 1203 Cutter St, Cincinnati, OH 45203

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,350 sqft · built 2007
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Jul 2020)
Tax Bill	$6,241 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135-0002-0276-00`

Property Details

APN / Parcel Number

Primary APN	`135-0002-0276-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,350 sqft Living Area
Gross Area	2,812 sqft
1st Floor Area	540 sqft
2nd Floor Area	1,810 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	2,500 sqft (0.057 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1203 CUTTER ST
City	CINCINNATI
State	OH
Zip	45203-1461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM07
Legal Description	WS CUTTER ST 0.0574 ACLOT 51 LINCOLN COURT NORTH SUB
Legal Subdivision	LINCOLN COURT NORTH SUB
Legal Lot Number	51
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	5
Census Block	5002
Census Tract	26400

Owner

1203 Cutter St is owned and occupied by two individuals who bought it in July 2020.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1203 CUTTER ST, CINCINNATI, OH 45203-1461
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
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Jul 24, 2020	Warranty Deed, Transfer · Conventional with PMI NFM LNDG
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Dec 17, 2007 · Amount on File
Deed Document Number	202072515
Deed Book / Page	14217 / 2876
Prior Transfer Date	Apr 30, 2020
Prior Transfer Doc	0000072514
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1203 CUTTER ST, CINCINNATI, OH 45203-1461
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056390
Date	May 6, 2021
Book Page	14412/11
Instrument	2021-0056390

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 24, 2020
Property Address	1203 CUTTER ST, CINCINNATI, OH 45203-1461
Document Number	0000072515
Book / Page	014217 / 002876
Instrument Date	May 1, 2020
Instrument	72515
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Confirmed
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	1203 CUTTER ST CINCINNATI OH 452031461, CINCINNATI, OH 45203-1461

Mortgage

Document Number	72516
Date	Jul 24, 2020
Book Page	014217/002879
Instrument	72516

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 24, 2020
Property Address	1203 CUTTER ST, CINCINNATI, OH 45203-1461
Document Number	0000072514
Book / Page	014217 / 002874
Instrument Date	Apr 30, 2020
Instrument	72514
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1203 CUTTER ST CINCINNATI OH 452031461, CINCINNATI, OH 45203-1461

Tax Assessment & Valuation

The 2025 property tax bill for 1203 Cutter St was $6,241, up 3.1% 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	$6,241.00 (+3.14%)	$101,465 (-) Land $30,450 Building $71,015	$289,900 Land $87,000 Building $202,900
2024	$6,051.00 (-2.21%)	$101,465 (-) Land $30,450 Building $71,015
2023	$6,188.00 (+6.25%)	$101,465 (+18.45%) Land $30,450 Building $71,015	$289,900 Land $87,000 Building $202,900
2022	$5,824.00 Homeowner's exemption	$85,659 Land $9,870 Building $75,789
2020			$244,740 Land $28,200 Building $216,540

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 1203 Cutter 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 1203 Cutter 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 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.

Nearby Properties on Cutter St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures