1277 Prospect Pl, Cincinnati, OH 45231 Property Records

Hamilton County property record for 1277 Prospect Pl, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,142 sqft · built 1946
Lot Size	0.162 acres (7,057 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Dec 2025)
Tax Bill	$2,058 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`595-0003-0138-00`

Property Details

APN / Parcel Number

Primary APN	`595-0003-0138-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	840 sqft
Attic	Attic
Attic Area	302 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1946
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	7,057 sqft (0.162 acres)
Lot Dimensions	134 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	96 sqft
Patio Area	896 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1277 PROSPECT PL
City	CINCINNATI
State	OH
Zip	45231-5524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSECT PL 50 X 134 PT LOTS 37-38 CLOVERNOOK SUB
Legal Subdivision	CLOVERNOOK SUB
Legal Lot Number	37-38 38
Jurisdiction	HAMILTON OH
Township / Civil Division	NORTH COLLEGE HILL
Census Block Group	1
Census Block	1000
Census Tract	21801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5368 COUNTRY LN, MILFORD, OH 45150-2816
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMONWEALTH BANK
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Oct 31, 2002
Deed Document Number	0000101625
Deed Book / Page	15572 / 874
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1277 PROSPECT PL, CINCINNATI, OH 45231-5524
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1277 PROSPECT PL, CINCINNATI, OH 45231-5524

Mortgage

Document Number	0000085745
Date	Dec 6, 2023
Book Page	15056/1564
Instrument	2023-0085745

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Max Rate	10.1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1277 PROSPECT PL, CINCINNATI, OH 45231-5524
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099249
Date	Aug 17, 2021
Book Page	14482/83
Instrument	2021-0099249

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 30, 2025
Property Address	1277 PROSPECT PL, CINCINNATI, OH 45231-5524
Document Number	0000101625
Book / Page	15572 / 874
Map Reference	MB 9070 PG 6151
Instrument Date	Dec 15, 2025
Instrument	2025-0101625
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5368 COUNTRY LN, MILFORD, OH 45150-2816

Mortgage

Document Number	0000101626
Date	Dec 30, 2025
Instrument	2025-0101626

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1277 PROSPECT PL, CINCINNATI, OH 45231-5524
Document Number	0000088925
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1277 PROSPECT PL CINCINNATI OH 452315524, CINCINNATI, OH 45231-5524

Mortgage

Document Number	0000088925
Date	Oct 14, 2019
Book Page	014022/000313
Instrument	88925

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 13, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	North College Hill City
Unified School District	North College Hill City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,058.00 (+2.49%)	$39,655 (+%) Land $7,647 Building $32,008
2024	$2,008.00 (-0.84%)	$39,654 (-) Land $7,647 Building $32,007
2023	$2,025.00 (+20.32%)	$39,654 (+68.47%) Land $7,647 Building $32,007	$113,300 (+68.48%) Land $21,850 Building $91,450
2022	$1,683.00 Homeowner's exemption	$23,538 Land $6,444 Building $17,094
2020			$67,250 Land $18,410 Building $48,840

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	4 in force
Nearby Flood Claims	2 (2010–2017)
Most Recent Claim	Nov 2017 · 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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