12172 Spalding Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 12172 Spalding Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 925 sqft · built 1969
Lot Size	0.212 acres (9,235 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Aug 2021)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`510-0011-0193-00`

Property Details

APN / Parcel Number

Primary APN	`510-0011-0193-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	108 ft deep x 85 ft wide
Garage Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	12172 SPALDING DR
City	CINCINNATI
State	OH
Zip	45231-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPALDING DR 85 X 108 IRR LOT 391 KINGSBRIDGE SUB BLK D
Legal Subdivision	KINGSBRIDGE SUB
Legal Block	D
Legal Lot Number	391
Jurisdiction	HAMILTON OH
Township / Civil Division	COLERAIN
Census Block Group	2
Census Block	2004
Census Tract	21508

Owner

12172 Spalding Dr is owned by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3030 JESSUP RD, CINCINNATI, OH 45239-6209
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Prior Sale	Jun 20, 2011 · Amount on File
Deed Document Number	2021102240
Deed Book / Page	14487 / 1520
Prior Transfer Date	Jan 17, 2007
Prior Transfer Doc	0000000797
Record Updated	Jun 8, 2026

August 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 24, 2021
Property Address	12172 SPALDING DR, CINCINNATI, OH 45231-1046
Document Number	0000102240
Book / Page	14487 / 1520
Map Reference	MB 112 PG 53&54
Instrument Date	Aug 17, 2021
Instrument	2021-0102240
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	BUCKEYE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12172 SPALDING DR, CINCINNATI, OH 45231-1046

Mortgage

Document Number	0000102241
Date	Aug 24, 2021
Instrument	2021-0102241

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 12172 Spalding Dr was $2,332, up 5% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Colerain Township
Unified School District	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,332.00 (+5%)	$39,375 (-) Land $10,605 Building $28,770	$112,500 Land $30,300 Building $82,200
2024	$2,221.00 (+1.14%)	$39,375 (-) Land $10,605 Building $28,770
2023	$2,196.00 (+15.64%)	$39,375 (+41.47%) Land $10,605 Building $28,770	$112,500 Land $30,300 Building $82,200
2022	$1,899.00	$27,833 Land $8,733 Building $19,100
2020			$79,520 Land $24,950 Building $54,570

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 12172 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

Wildfire risk around 12172 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.

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 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