1228 E McMillan St, Cincinnati, OH 45206 Property Records

Hamilton County property record for 1228 E McMillan St, Cincinnati, OH 45206

Property Summary

Property Type	Apartment House (2-4 Units)
Details	51,804 sqft · built 1930
Lot Size	0.592 acres (25,788 sqft)
Owner	Owner Name on File
Last Sale	$100,000 (Jan 2014)
Tax Bill	$4,827 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-0001-0030-90`

Property Details

APN / Parcel Number

Primary APN	`066-0001-0030-90`

Interior

Total Rooms	4 Rooms
Stories	4 Stories
Building Area	51,804 sqft

Exterior

Year Built	Built 1930
Lot Area	25,788 sqft (0.592 acres)
Lot Dimensions	244 ft deep x 349 ft wide

Location & Zoning

Street Address	1228 E MCMILLAN ST
City	CINCINNATI
State	OH
Zip	45206-3051
Property Category	Commercial
Property Type	Residential > Multi-Unit > Apartment House (2-4 Units)
Legal Description	1228 MCMILLAN ST 105.96 X 244 IR PT LOT 46 LANE SEMINARY SUB
Legal Subdivision	LANE SEMINARY SUB
Legal Lot Number	46
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1022
Census Tract	3700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Eastern Hills Young Men's Christian Association (YMCA) listed 2016 · 1 contributing resources · NRIS 16000847

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

The current owner of 1228 E McMillan St bought it in January 2014.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Owner Name on File
Mailing Address	4320 DRAKE RD, CINCINNATI, OH 45243-4210

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
Mar 30, 2022	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK
Nov 21, 2017	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2014 · Amount on File
Deed Sale	Jan 17, 2014 · Amount on File
Deed Document Number	306936
Deed Book / Page	012513 / 001047
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1228 E MCMILLAN ST, CINCINNATI, OH 45206-3051
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1431 MAIN ST, CINCINNATI, OH 45202-6339

Mortgage

Document Number	0000033185
Date	Mar 30, 2022
Book Page	14635/2373
Instrument	2022-0033185

Lender

Name	COGENT BANK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2032

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1228 E MCMILLAN ST, CINCINNATI, OH 45206-3051
Document Number	0000107259
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1418 MAIN ST CINCINNATI OH 452027616, CINCINNATI, OH 45202-7616

Mortgage

Document Number	0000107259
Date	Nov 22, 2017
Book Page	013550/000988
Instrument	107259

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	CINCINNATI, OH 45202

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 21, 2027

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1228 E MCMILLAN ST, CINCINNATI, OH 45206-3051
Document Number	0000107256
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1418 MAIN ST CINCINNATI OH 452027616, CINCINNATI, OH 45202-7616

Mortgage

Document Number	0000107256
Date	Nov 22, 2017
Book Page	013550/000951
Instrument	107256

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	1224 RACE ST, CINCINNATI, OH 45202-7109

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 21, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1228 E McMillan St was $4,827, up 0.7% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

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	$4,827.00 (+0.67%)	$903,483 (+%) Land $54,603 Building $848,880
2024	$4,795.00 (-2.02%)	$903,482 (-) Land $54,603 Building $848,879
2023	$4,894.00 (-3.64%)	$903,482 (+21.44%) Land $54,603 Building $848,879	$2,581,380 Land $156,010 Building $2,425,370
2022	$5,079.00	$743,968 Land $51,846 Building $692,122
2020			$2,125,620 Land $148,130 Building $1,977,490

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

Flood

FEMA maps place 1228 E McMillan St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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	1 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 1980 · 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

The area around 1228 E McMillan St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 324 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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