Hamilton County property record for 1231 Grace Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,651 sqft · built 1870 |
| Lot Size | 0.184 acres (8,015 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $950,000 (Apr 2026) |
| Tax Bill | $9,321 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0A01-0005-00 |
| Primary APN | 043-0A01-0005-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,651 sqft Living Area |
| Gross Area | 3,739 sqft |
| 1st Floor Area | 1,125 sqft |
| 2nd Floor Area | 1,152 sqft |
| Attic | Attic |
| Attic Area | 374 sqft |
| Basement Area | 1,088 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,015 sqft (0.184 acres) |
| Lot Dimensions | 90.3 ft deep x 103 ft wide |
| Garage Type | Detached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 339 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 1231 GRACE AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 1231 GRACE AVE 103.44 X 90.34 IRR WS GRACE 190 FT N LINWOOD |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 4900 |
Source: Hamilton County records, as of July 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Apr 10, 2026 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Apr 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Sep 16, 2019 | Warranty Deed, Transfer GENERAL ELECTRIC CU |
| Apr 9, 2019 | Trustee's Deed, Construction Loan · Line of Credit CENTERBANK |
| Dec 21, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Prior Sale | Apr 19, 2023 · Amount on Record |
| Deed Document Number | 202627073 |
| Deed Book / Page | 15642 / 472 |
| Prior Transfer Date | Feb 3, 2010 |
| Prior Transfer Doc | 0000023864 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000123385 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 14521/397 |
| Instrument | 2021-0123385 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 10, 2026 |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Document Number | 0000027073 |
| Book / Page | 15642 / 472 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 202627073 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $191,900.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Document Number | 0000027074, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 202627074 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 19, 2023 |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Document Number | 0000026341 |
| Book / Page | 14898 / 1283 |
| Instrument Date | Apr 7, 2023 |
| Instrument | 2023-0026341 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $908.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4S01 FREDERICA STREET, OWENSBORO, KY 42301 |
| Document Number | 0000026342 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 2023-0026342 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 16, 2019 |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Document Number | 0000079010 |
| Book / Page | 014002 / 002371 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 79010 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,000.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1231 GRACE AVE CINCINNATI OH 452082928, CINCINNATI, OH 45208-2928 |
| Document Number | 79011 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 014002/002373 |
| Instrument | 79011 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 9, 2019 |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Book / Page | 013892 / 002477 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 26586 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3577 MONTEITH AVE CINCINNATI OH 452081533, CINCINNATI, OH 45208-1533 |
| Document Number | 0000026586 |
|---|---|
| Date | Apr 9, 2019 |
| Book Page | 013892/002477 |
| Instrument | 26586 |
| Name | CENTERBANK |
|---|---|
| Type | Bank |
| Address | MILFORD, OH 45150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 8, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 21, 2017 |
| Property Address | 1231 GRACE AVE, CINCINNATI, OH 45208-2928 |
| Document Number | 0000116258 |
| Book / Page | 013569 / 002431 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 116258 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $915.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3577 MONTEITH AVE CINCINNATI OH 452081533, CINCINNATI, OH 45208-1533 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,321.00 (+3.13%) | $247,447 (-) Land $58,125 Building $189,322 | $706,990 (-) Land $166,070 Building $540,920 |
| 2024 | $9,038.00 (-2.21%) | $247,447 (-) Land $58,125 Building $189,322 | |
| 2023 | $9,242.00 (-18.37%) | $247,447 (-5.73%) Land $58,125 Building $189,322 | $706,990 (-5.73%) Land $166,070 Building $540,920 |
| 2022 | $11,322.00 Homeowner's exemption | $262,500 Land $55,153 Building $207,347 | |
| 2020 | $750,000 Land $157,580 Building $592,420 |
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.
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 Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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 663 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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