Hamilton County property record for 1322 Delta Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,164 sqft · built 1926 |
| Lot Size | 0.526 acres (22,913 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $854,000 (Jul 2021) |
| Tax Bill | $14,966 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit Jul 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0002-0030-00 |
| Primary APN | 043-0002-0030-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,164 sqft Living Area |
| 1st Floor Area | 1,192 sqft |
| 2nd Floor Area | 972 sqft |
| Attic | Attic |
| Attic Area | 972 sqft |
| Basement Area | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 22,913 sqft (0.526 acres) |
| Lot Dimensions | 228 ft deep x 100 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Patio Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1322 DELTA AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DELTA AVE 100 X 228.43 LOT 9 OBSERVATORY DR SUB |
| Legal Subdivision | OBSERVATORY DRIVE SUB |
| Legal Lot Number | 9 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 4800 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 23, 2018 | Deed of Trust, Mortgage · ARM EAGLE SAVINGS BANK |
| Jul 15, 2021 | Fiduciary Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jul 12, 2018 | Loan Modification, Mortgage · Conventional Mortgage PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on Record |
| Deed Sale | Jul 15, 2021 · Amount on Record |
| Prior Sale | Apr 15, 1994 |
| Deed Document Number | 0000086160 |
| Deed Book / Page | 14459 / 1286 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008755 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 17-0088755 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003309 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 18-0063309 |
| Name | EAGLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.75% |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 15, 2021 |
| Property Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Document Number | 0000086160 |
| Book / Page | 14459 / 1286 |
| Map Reference | MB 26 PG 10 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-0086160 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,562.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Document Number | 0000086161 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021-0086161 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.07% |
| Type Change Date | Aug 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.07% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.07% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1322 DELTA AVE, CINCINNATI, OH 45208-2418 |
| Document Number | 0000063312 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Document Number | 0000063312 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 013715/001789 |
| Instrument | 63312 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $14,966.00 (+3.13%) | $243,054 (-) Land $151,998 Building $91,056 | |
| 2024 | $14,512.00 (-2.21%) | $243,054 (-) Land $151,998 Building $91,056 | |
| 2023 | $14,840.00 (+11.46%) | $243,054 (+24.28%) Land $151,998 Building $91,056 | $694,440 (+24.28%) Land $434,280 Building $260,160 |
| 2022 | $13,314.00 Homeowner's exemption | $195,573 Land $110,950 Building $84,623 | |
| 2020 | $558,780 Land $317,000 Building $241,780 |
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 |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · 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 96% of the US · lower than 81% 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: 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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