Hamilton County property record for 12197 Westerly Dr, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 970 sqft · built 1969 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Oct 2018) |
| Tax Bill | $2,473 (2025) |
| Deeds & Mortgages | Feb 2023 Transfer Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 510-0011-0142-00 |
| Primary APN | 510-0011-0142-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 970 sqft Living Area |
| Gross Area | 1,150 sqft |
| 1st Floor Area | 970 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Roof Material | Asphalt |
| Lot Area | 9,801 sqft (0.225 acres) |
| Lot Dimensions | 120 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 12197 WESTERLY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-1049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON RD 82 X 120 IRR- LOT 397 KINGSBRIDGE SUB BLK C |
| Legal Subdivision | KINGSBRIDGE SUB |
| Legal Block | C |
| Legal Lot Number | 397 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | COLERAIN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21508 |
12197 Westerly Dr is owned and occupied by an individual who acquired it in February 2023.
Source: Hamilton County records, as of July 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12197 WESTERLY DR, CINCINNATI, OH 45231-1049 |
| 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 |
|---|---|
| Feb 28, 2023 | Transfer on Death Deed, Transfer |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG |
| Oct 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESERVICES LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2018 · Amount on File |
| Deed Sale | Oct 30, 2018 · Amount on File |
| Prior Sale | Jun 3, 2016 · Amount on File |
| Deed Document Number | 201896138 |
| Deed Book / Page | 13785 / 275 |
| Last Transfer Date | Feb 21, 2023 |
| Transfer Doc | 0000013795 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 28, 2023 |
| Property Address | 12197 WESTERLY DR, CINCINNATI, OH 45231-1049 |
| Document Number | 0000013795 |
| Book / Page | 14862 / 1058 |
| Map Reference | MB 107 PG 62 |
| Instrument Date | Feb 27, 2023 |
| Instrument | 2023-0013795 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 12197 WESTERLY DR, CINCINNATI, OH 45231-1049 |
| Document Number | 0000113480 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12197 WESTERLY DR CINCINNATI OH 452311049, CINCINNATI, OH 45231-1049 |
| Document Number | 0000113480 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 014284/004269 |
| Instrument | 113480 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 30, 2018 |
| Property Address | 12197 WESTERLY DR, CINCINNATI, OH 45231-1049 |
| Document Number | 0000096138 |
| Book / Page | 013785 / 000275 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 96138 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2018 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12197 WESTERLY DR CINCINNATI OH 452311049, CINCINNATI, OH 45231-1049 |
| Document Number | 96139 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 013785/000277 |
| Instrument | 96139 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2048 |
The 2025 property tax bill for 12197 Westerly Dr was $2,473 with a homeowner's exemption, up 7.6% 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 | $2,473.00 (+7.57%) Homeowner's exemption | $52,913 (-) Land $11,011 Building $41,902 | $151,180 Land $31,460 Building $119,720 |
| 2024 | $2,299.00 (-2.38%) Homeowner's exemption | $52,913 (-) Land $11,011 Building $41,902 | |
| 2023 | $2,355.00 (+35.66%) Homeowner's exemption | $52,913 (+51.18%) Land $11,011 Building $41,902 | $151,180 Land $31,460 Building $119,720 |
| 2022 | $1,736.00 Homeowner's exemption | $35,000 Land $9,065 Building $25,935 | |
| 2020 | $100,000 Land $25,900 Building $74,100 |
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 12197 Westerly 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 12197 Westerly 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 | Direct burnable vegetation |
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 221 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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