Hamilton County property record for 12075 Spalding Dr, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,226 sqft · built 1971 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,771 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 510-0011-0387-00 |
| Primary APN | 510-0011-0387-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| Gross Area | 1,457 sqft |
| 1st Floor Area | 1,226 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 12075 SPALDING DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-1044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPALDING DR 60 X 125 LOT 335 KINGSBRIDGE SUB BLK N |
| Legal Subdivision | KINGSBRIDGE SUB |
| Legal Block | N |
| Legal Lot Number | 335 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | COLERAIN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21508 |
12075 Spalding Dr is owned and occupied by an individual who acquired it in August 2015.
Source: Hamilton County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| 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.
| Date | Document |
|---|---|
| Aug 13, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jun 23, 2023 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 9, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2015 |
| Deed Sale | Aug 19, 2015 |
| Prior Sale | Nov 7, 2000 · Amount on File |
| Deed Document Number | 201588485 |
| Deed Book / Page | 12972 / 1224 |
| Prior Transfer Date | Jan 9, 2015 |
| Prior Transfer Doc | 0000088485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 13, 2026 |
| Property Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| Document Number | 0000066174 |
| Book / Page | 15728 / 629 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202666174 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| Document Number | 0000066174, |
|---|---|
| Date | Aug 13, 2026 |
| Book Page | 15728/629 |
| Instrument | 202666174 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| Document Number | 0000043358 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 14943/1755 |
| Instrument | 2023-0043358 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 12075 SPALDING DR, CINCINNATI, OH 45231-1044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000025403 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 14620/1637 |
| Instrument | 2022-0025403 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 12075 Spalding Dr was $2,771, up 7.9% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Colerain Township |
| Unified School District | Northwest Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,771.00 (+7.86%) | $47,979 (+%) Land $8,887 Building $39,092 | $137,080 Land $25,390 Building $111,690 |
| 2024 | $2,569.00 (-0.62%) | $47,977 (-) Land $8,886 Building $39,091 | |
| 2023 | $2,585.00 (+12.88%) | $47,977 (+38.45%) Land $8,886 Building $39,091 | $137,080 Land $25,390 Building $111,690 |
| 2022 | $2,290.00 Homeowner's exemption | $34,654 Land $7,308 Building $27,346 | |
| 2020 | $99,010 Land $20,880 Building $78,130 |
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.
FEMA maps place 12075 Spalding Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1998 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 12075 Spalding Dr is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 462 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 |
| Verizon Fixed Wireless | 300 / 20 |
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