Hamilton County property record for 127 Stearns Ave, Cincinnati, OH 45215
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,706 sqft · built 1875 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $850,000 (Aug 2021) |
| Tax Bill | $18,121 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Dec 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 592-0012-0045-00 |
| Primary APN | 592-0012-0045-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 4,706 sqft Living Area |
| 1st Floor Area | 2,146 sqft |
| 2nd Floor Area | 1,753 sqft |
| Attic | Attic |
| Attic Area | 807 sqft |
| Basement Area | 1,979 sqft |
| Fireplaces | 5 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1875 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 43,996 sqft (1.01 acres) |
| Lot Dimensions | 140 ft deep x 237 ft wide |
| Porch | Porch |
| Porch Area | 621 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 127 STEARNS AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45215-4333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEARNS AVE 1.01 ACS R1- T3- S2 |
| Legal Subdivision | WILSONS |
| Legal Lot Number | 40 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | WYOMING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 22602 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Village Historic District listed 1986 · 278 contributing resources · NRIS 86001626 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hamilton County records, as of February 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2022 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Dec 13, 2024 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Aug 12, 2021 | Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Jun 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FED'L |
| Jun 16, 2020 | Deed of Trust, Mortgage CINCINNATI FED'L |
| Feb 1, 2019 | Warranty Deed, Construction Loan · Construction Mortgage CINCINNATI FED'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on Record |
| Deed Sale | Aug 12, 2021 · Amount on Record |
| Prior Sale | Feb 1, 2019 · Amount on Record |
| Deed Document Number | 0000097430 |
| Deed Book / Page | 14479 / 875 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 127 STEARNS AVE, WYOMING, OH 45215-4333 |
| Document Number | 0000017834 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 14607/331 |
| Instrument | 2022-0017834 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Dec 7, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 127 STEARNS AVE, READING, OH 45215-4333 |
| Document Number | 0000088940 |
|---|---|
| Date | Dec 13, 2024 |
| Book Page | 15312/433 |
| Instrument | 2024-0088940 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 6, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 12, 2021 |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Document Number | 0000097430 |
| Book / Page | 14479 / 875 |
| Map Reference | MB 3 PG 283 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021-0097430 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Document Number | 0000097431 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2021-0097431 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Document Number | 0000060858 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 127 STEARNS AVE CINCINNATI OH 452154333, CINCINNATI, OH 45215-4333 |
| Document Number | 0000060858 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 014197/002326 |
| Instrument | 60858 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 24, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Document Number | 0000060857 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 127 STEARNS AVE CINCINNATI OH 452154333, CINCINNATI, OH 45215-4333 |
| Document Number | 0000060857 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 014197/002322 |
| Instrument | 60857 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 1, 2019 |
| Property Address | 127 STEARNS AVE, CINCINNATI, OH 45215-4333 |
| Document Number | 0000008194 |
| Book / Page | 013846 / 000062 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 8194 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 22, 2019 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $496.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 127 STEARNS AVE CINCINNATI OH 452154333, CINCINNATI, OH 45215-4333 |
| Document Number | 8212 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 013846/000148 |
| Instrument | 8212 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45255 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Wyoming City |
| Unified School District | Wyoming City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,121.00 (+2.33%) | $297,500 (-) Land $69,629 Building $227,871 | |
| 2024 | $17,708.00 (+8.52%) | $297,500 (-) Land $69,629 Building $227,871 | |
| 2023 | $16,318.00 (+23.75%) | $297,500 (+53.04%) Land $69,629 Building $227,871 | $850,000 (+53.04%) Land $198,940 Building $651,060 |
| 2022 | $13,186.00 Homeowner's exemption | $194,397 Land $70,945 Building $123,452 | |
| 2020 | $555,420 Land $202,700 Building $352,720 |
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 Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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.
Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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