1305 MARKET ST READING OH 452153305, READING, OH 45215-3305
Mortgage
Document Number
65370
Date
Jul 8, 2020
Book Page
014205/002230
Instrument
65370
Lender
Name
US BK
Type
Bank
Address
OWENSBORO, KY 42301
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
Jul 7, 2050
May 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
HAMILTON OH
Property Address
1305 MARKET ST, CINCINNATI, OH 45215-3305
Document Number
0000044364
Instrument Date
May 31, 2019
Transaction Type
Mortgage
Record Updated
Jul 17, 2019
Title Company
OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
1305 MARKET ST CINCINNATI OH 452153305, CINCINNATI, OH 45215-3305
Mortgage
Document Number
0000044364
Date
Jun 7, 2019
Book Page
013934/000018
Instrument
44364
Lender
Name
UNION SVGS
Type
Federal Savings Bank
Address
CINCINNATI, OH 45249
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jun 6, 2049
Interest
Rate Type
Adjustable Rate
Rate
4%
Tax Assessment & Valuation
The 2025 property tax bill for 1305 Market St was $4,844, down 2.9% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
Property Jurisdictions
Type
Name
State
Ohio
County
Hamilton County
Municipality
Reading City
Unified School District
Reading Community City School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$4,844.00 (-2.89%)
$91,000 (-)Land $9,275Building $81,725
$260,000Land $26,500Building $233,500
2024
$4,988.00 (+3.74%)
$91,000 (-)Land $9,275Building $81,725
2023
$4,808.00 (+69.3%)
$91,000 (+119.19%)Land $9,275Building $81,725
$260,000Land $26,500Building $233,500
2022
$2,840.00Homeowner's exemption
$41,517Land $7,455Building $34,062
2020
$118,620Land $21,300Building $97,320
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Flood
FEMA maps place 1305 Market St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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
9 in force
Nearby Flood Claims
2 (1979–2020)
Claims Outside the SFHA
1 of 2
Most Recent Claim
May 2020 · 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 1305 Market 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
READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source
Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection
Oct 2024
Lead
2 ppb (2025) action level 15 ppb
Violations Reported to EPA
Listed by EPA as a serious violator for missed monitoring and reporting.
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
6 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. The service area is an EPA estimate; the actual supplier may differ.
Internet Providers
Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025