Hamilton County property record for 1409 Locust St, Cincinnati, OH 45206
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 3,869 sqft · built 1911 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $79,700 (Oct 2013) |
| Tax Bill | $7,129 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Sep 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-0002-0014-00 |
| Primary APN | 062-0002-0014-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Stories | 3 Stories |
| Building Area | 3,869 sqft Finished Area |
| 1st Floor Area | 1,387 sqft |
| 2nd Floor Area | 2,482 sqft |
| Upper Floors Area | 1,095 sqft |
| Basement Area | 1,387 sqft |
| Family Room | Family Room |
| Year Built | Built 1911 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 194 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1409 LOCUST ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45206-2114 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | LOCUST ST 50 X 194 IRRPT LOT 3 WM WILLIAMS EST WM WILLIAM EST DOWER TRACT |
| Legal Subdivision | WM WILLIAMS ESTATE |
| Legal Lot Number | 3 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 4200 |
The current owner of 1409 Locust St bought it in October 2013.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1411 LOCUST ST, CINCINNATI, OH 45206-2114 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Sep 19, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Jul 22, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2013 · Amount on File |
| Deed Sale | Oct 29, 2013 · Amount on File |
| Prior Sale | Oct 29, 2013 |
| Deed Document Number | 13-147508 |
| Deed Book / Page | 12452 / 00074 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 1411 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Document Number | 0000117786 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 14512/1820 |
| Instrument | 2021-0117786 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 17, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Document Number | 0000089981 |
| Instrument Date | Sep 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1411 LOCUST ST CINCINNATI OH 452062114, CINCINNATI, OH 45206-2114 |
| Document Number | 0000089981 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 014024/000792 |
| Instrument | 89981 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 15, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Document Number | 0000078993 |
| Instrument Date | Jul 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1411 LOCUST ST CINCINNATI OH 452062114, CINCINNATI, OH 45206-2114 |
| Document Number | 0000078993 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 014002/002254 |
| Instrument | 78993 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 15, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1409 Locust St was $7,129, up 1.5% from the year before.
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 | $7,129.00 (+1.48%) | $113,936 (-) Land $21,959 Building $91,977 | |
| 2024 | $7,025.00 (-1.1%) | $113,936 (-) Land $21,959 Building $91,977 | |
| 2023 | $7,103.00 (+28.35%) | $113,936 (+42.77%) Land $21,959 Building $91,977 | $325,530 Land $62,740 Building $262,790 |
| 2022 | $5,534.00 Homeowner's exemption | $79,804 Land $19,093 Building $60,711 | |
| 2020 | $228,010 Land $54,550 Building $173,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1409 Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · tidal / storm surge |
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.
The area around 1409 Locust 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.
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 453 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
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