Hamilton County property record for 12092 Spalding Dr, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,226 sqft · built 1969 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Individual Name on File |
| Last Sale | $121,000 (Oct 2018) |
| Tax Bill | $2,749 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 510-0011-0168-00 |
| Primary APN | 510-0011-0168-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| 1st Floor Area | 1,226 sqft |
| Year Built | Built 1969 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 468 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 12092 SPALDING DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPALDING DR 60 X 120 LOT 366 KINGSBRIDGE SUB BLK D |
| Legal Subdivision | KINGSBRIDGE SUB |
| Legal Block | D |
| Legal Lot Number | 366 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | COLERAIN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21508 |
12092 Spalding Dr is owned and occupied by an individual who bought it in October 2018.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12092 SPALDING DR, CINCINNATI, OH 45231-1045 |
| 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 |
|---|---|
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LENDING LLC |
| Oct 29, 2018 | Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2018 · Amount on File |
| Deed Sale | Oct 29, 2018 · Amount on File |
| Prior Sale | Jun 9, 2016 · Amount on File |
| Deed Document Number | 0000095931 |
| Deed Book / Page | 013784 / 001577 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 12092 SPALDING DR, CINCINNATI, OH 45231-1045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0200138678 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 14325/2317 |
| Instrument | 2020-0138678 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 29, 2018 |
| Property Address | 12092 SPALDING DR, CINCINNATI, OH 45231-1045 |
| Document Number | 0000095931 |
| Book / Page | 013784 / 001577 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 95931 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | RIVERTOWNE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $363.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12092 SPALDING DR CINCINNATI OH 452311045, CINCINNATI, OH 45231-1045 |
| Document Number | 95932 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 013784/001579 |
| Instrument | 95932 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2048 |
The 2025 property tax bill for 12092 Spalding Dr was $2,749, up 7.8% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $2,749.00 (+7.85%) | $47,607 (-) Land $8,694 Building $38,913 | |
| 2024 | $2,549.00 (-0.59%) | $47,607 (-) Land $8,694 Building $38,913 | |
| 2023 | $2,564.00 (-8.26%) | $47,607 (+12.41%) Land $8,694 Building $38,913 | $136,020 Land $24,840 Building $111,180 |
| 2022 | $2,795.00 Homeowner's exemption | $42,350 Land $7,147 Building $35,203 | |
| 2020 | $121,000 Land $20,420 Building $100,580 |
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 12092 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 12092 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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