1226 Carney St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 1226 Carney St, Cincinnati, OH 45202

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,176 sqft · built 1880
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,974 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-0002-0229-00`

Property Details

APN / Parcel Number

Primary APN	`072-0002-0229-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,176 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,088 sqft
2nd Floor Area	1,088 sqft
Basement Area	1,088 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1226 CARNEY ST
City	CINCINNATI
State	OH
Zip	45202-1560
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	1226-28 CARNEY ST 50 X 75 PT LOT 1 E & F AVERY SUB BL J
Legal Subdivision	AVERY SUB
Legal Block	J
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2000
Census Tract	26800

Owner

1226 Carney St, a residential property, is owner-occupied and held in a trust since March 2010.

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

Owner of Record	2 Trust Names on File
Mailing Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Sep 29, 2025	Intrafamily Transfer, Transfer
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Feb 7, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2010
Deed Sale	Mar 25, 2010
Prior Sale	Jul 19, 2002 · Amount on File
Deed Document Number	201033024
Deed Book / Page	11390 / 1289
Prior Transfer Date	Nov 9, 2000
Prior Transfer Doc	0000190007
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Sep 29, 2025
Property Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560
Document Number	0000075310
Book / Page	15510 / 1836
Map Reference	MB 2 PG 317
Instrument Date	Sep 25, 2025
Instrument	2025-0075310
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042652
Date	Apr 5, 2021
Book Page	14389/3950
Instrument	2021-0042652

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Feb 7, 2018
Property Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560
Document Number	0000000713
Instrument Date	Jan 29, 2018
Instrument	18-0010713
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 CARNEY ST, CINCINNATI, OH 45202-1560

Mortgage

Document Number	0000000714
Date	Feb 7, 2018
Instrument	18-0010714

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1226 Carney St was $7,974, up 3.5% 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	$7,974.00 (+3.46%)	$128,765 (+0.92%) Land $77,098 Building $51,667	$367,900 Land $220,280 Building $147,620
2024	$7,707.00 (-1.8%)	$127,589 (-) Land $77,098 Building $50,491
2023	$7,848.00 (+6.21%)	$127,589 (+18.16%) Land $77,098 Building $50,491	$367,900 Land $220,280 Building $147,620
2022	$7,389.00 Homeowner's exemption	$107,976 Land $74,295 Building $33,681
2020			$308,500 Land $212,270 Building $96,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1226 Carney St in Zone X, an area of minimal flood risk.

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

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 1226 Carney St is low, with less than 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 446 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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