1307 Cutter St, Cincinnati, OH 45203 Property Records

Hamilton County property record for 1307 Cutter St, Cincinnati, OH 45203

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,530 sqft · built 2005
Lot Size	0.046 acres (1,982 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2024)
Tax Bill	$7,560 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`134-0004-0211-00`

Property Details

APN / Parcel Number

Primary APN	`134-0004-0211-00`
Alternative APN	`0015114`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,530 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	550 sqft
2nd Floor Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	1,982 sqft (0.046 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1307 CUTTER ST
City	CINCINNATI
State	OH
Zip	45203-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM07
Legal Description	ES RUHR ALLEY 0.0455 ACLOT 62 LINCOLN COURT NORTH SUB
Legal Subdivision	LINCOLN COURT NORTH SUB
Legal Lot Number	62
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	5
Census Block	5000
Census Tract	26400

Owner

1307 Cutter St is owned and occupied by two individuals who bought it in December 2024.

Source: Hamilton County records, as of July 21, 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 File
Mailing Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage CIVISTA BANK
Aug 30, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Dec 5, 2024	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRESH START MTG SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	Jul 1, 2014 · Amount on File
Deed Document Number	202486535
Deed Book / Page	15306 / 1728
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jun 1, 2026
Property Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Document Number	0000042538
Book / Page	15677 / 1115
Instrument Date	May 26, 2026
Instrument	202642538
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042538,
Date	Jun 1, 2026
Book Page	15677/1115
Instrument	202642538

Lender

Name	CIVISTA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060660
Date	Aug 30, 2024
Book Page	15241/412
Instrument	2024-0060660

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 5, 2024
Property Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Document Number	0000086535
Book / Page	15306 / 1728
Map Reference	MB 392 PG 58-65
Instrument Date	Nov 29, 2024
Instrument	2024-0086535
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453

Mortgage

Document Number	0000086536
Date	Dec 5, 2024
Instrument	2024-0086536

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.3%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1307 CUTTER ST, CINCINNATI, OH 45203-1453
Document Number	0000050956
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 CUTTER ST CINCINNATI OH 452031453, CINCINNATI, OH 45203-1453

Mortgage

Document Number	0000050956
Date	Jun 1, 2020
Book Page	014179/000992
Instrument	50956

Lender

Name	FRESH START MTG SOLUTIONS
Address	BALTIMORE, MD 21220

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1307 Cutter St was $7,560, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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	$7,560.00 (+3.14%)	$122,815 (-) Land $30,450 Building $92,365	$350,900 Land $87,000 Building $263,900
2024	$7,330.00 (-2.2%)	$122,815 (-) Land $30,450 Building $92,365
2023	$7,495.00 (+28.54%)	$122,815 (+43.37%) Land $30,450 Building $92,365	$350,900 Land $87,000 Building $263,900
2022	$5,831.00 Homeowner's exemption	$85,663 Land $9,870 Building $75,793
2020			$244,750 Land $28,200 Building $216,550

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.

Flood

FEMA maps place 1307 Cutter St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1307 Cutter 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: altafiber Network Solutions, T-Mobile, Verizon.

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