Hamilton County property record for 1409 Summe Dr, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,520 sqft · built 1983 |
| Lot Size | 0.233 acres (10,149 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Aug 2024) |
| Tax Bill | $3,397 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Nov 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 593-0010-0052-00 |
| Primary APN | 593-0010-0052-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Living Area |
| Gross Area | 2,264 sqft |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 560 sqft |
| Basement Area | 480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 10,149 sqft (0.233 acres) |
| Lot Dimensions | 170 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 436 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 1409 SUMME DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-3225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMME DR 75 X 170 IRR LOT 48 SUMME ACRES SUB BLOCK B |
| Legal Subdivision | SUMME ACRES SUB |
| Legal Block | B |
| Legal Lot Number | 48 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MOUNT HEALTHY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21702 |
Source: Hamilton County records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1409 SUMME DR, CINCINNATI, OH 45231-3225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 6, 2019 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Aug 28, 2019 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Aug 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2024 · Amount on Record |
| Deed Sale | Aug 19, 2024 · Amount on Record |
| Prior Sale | Mar 10, 2015 · Amount on Record |
| Deed Document Number | 202457752 |
| Deed Book / Page | 15232 / 799 |
| Prior Transfer Date | Feb 27, 2015 |
| Prior Transfer Doc | 0000023051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 SUMME DR, CINCINNATI, OH 45231-3225 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000094013 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 14766/598 |
| Instrument | 2022-0094013 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 SUMME DR, CINCINNATI, OH 45231-3225 |
| Document Number | 0000100428 |
| Instrument Date | Nov 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1409 SUMME DR CINCINNATI OH 452313225, CINCINNATI, OH 45231-3225 |
| Document Number | 0000100428 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 014044/001813 |
| Instrument | 100428 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2049 |
| Rate | 4.87% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 SUMME DR, CINCINNATI, OH 45231-3225 |
| Document Number | 0000082462 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1409 SUMME DR CINCINNATI OH 452313225, CINCINNATI, OH 45231-3225 |
| Document Number | 0000082462 |
|---|---|
| Date | Sep 25, 2019 |
| Book Page | 014009/000603 |
| Instrument | 82462 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2049 |
| Rate | 4.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1409 SUMME DR, CINCINNATI, OH 45231-3225 |
| Document Number | 0000081262 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1409 SUMME DR CINCINNATI OH 452313225, CINCINNATI, OH 45231-3225 |
| Document Number | 0000081262 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 014007/000089 |
| Instrument | 81262 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2049 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Mount Healthy City |
| Unified School District | Mount Healthy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,397.00 | $65,198 (-) Land $10,220 Building $54,978 | $186,280 (-) Land $29,200 Building $157,080 |
| 2024 | $3,397.00 (-0.85%) | $65,198 (-) Land $10,220 Building $54,978 | |
| 2023 | $3,426.00 (+12.44%) | $65,198 (+57%) Land $10,220 Building $54,978 | $186,280 (+57%) Land $29,200 Building $157,080 |
| 2022 | $3,047.00 Homeowner's exemption | $41,528 Land $8,544 Building $32,984 | |
| 2020 | $118,650 Land $24,410 Building $94,240 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
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 98% of the US · lower than 90% 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 368 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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