Hamilton County property record for 1423 Locust St, Cincinnati, OH 45206
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 4,227 sqft · built 1911 |
| Lot Size | 0.251 acres (10,934 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,500 (Feb 2000) |
| Tax Bill | $7,302 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-0002-0017-00 |
| Primary APN | 062-0002-0017-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 14 Rooms |
| Stories | 3 Stories |
| Building Area | 4,227 sqft Finished Area |
| 1st Floor Area | 1,429 sqft |
| 2nd Floor Area | 2,798 sqft |
| Upper Floors Area | 1,369 sqft |
| Basement Area | 1,429 sqft |
| Year Built | Built 1911 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 10,934 sqft (0.251 acres) |
| Lot Dimensions | 196 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 760 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 1423 LOCUST ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45206-2114 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | 1423 LOCUST ST 60 X 196 IRR LOT 6 PTS 3-5 WM WILLIAMS EST & WM WILLIAM |
| Legal Subdivision | WILLIAMS |
| Legal Lot Number | 6 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 4200 |
1423 Locust St, a triplex, is owned and occupied by an individual who acquired it in January 2017.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1423 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jan 23, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2000 · Amount on File |
| Deed Sale | Feb 22, 2000 · Amount on File |
| Prior Sale | Jun 28, 2001 |
| Deed Document Number | 0082012083 |
| Deed Book / Page | 06200 |
| Last Transfer Date | Jan 23, 2017 |
| Transfer Doc | 0000006353 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1423 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000048304 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 14399/32 |
| Instrument | 2021-0048304 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 23, 2017 |
| Property Address | 1423 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Document Number | 0000006353 |
| Map Reference | DB 3063 PG 331 |
| Instrument Date | Jan 5, 2017 |
| Instrument | 17-0006353 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1423 LOCUST ST, CINCINNATI, OH 45206-2114 |
| Document Number | 0000006354 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 17-0006354 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1423 Locust St was $7,302, 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 | $7,302.00 (+1.46%) | $116,641 (-) Land $23,611 Building $93,030 | |
| 2024 | $7,197.00 (-1.09%) | $116,641 (-) Land $23,611 Building $93,030 | |
| 2023 | $7,276.00 (+53.53%) | $116,641 (+70.73%) Land $23,611 Building $93,030 | $333,260 Land $67,460 Building $265,800 |
| 2022 | $4,739.00 Homeowner's exemption | $68,320 Land $20,517 Building $47,803 | |
| 2020 | $195,200 Land $58,620 Building $136,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1423 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 1423 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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