1428 Joseph St, Cincinnati, OH 45237 Property Records

Hamilton County property record for 1428 Joseph St, Cincinnati, OH 45237

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,617 sqft · built 1938
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Mar 2004)
Tax Bill	$1,550 (2025)
Deeds & Mortgages	May 2025 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`119-0A03-0113-00`

Property Details

APN / Parcel Number

Primary APN	`119-0A03-0113-00`
Alternative APN	`0084457`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,617 sqft Living Area
Gross Area	2,149 sqft
1st Floor Area	918 sqft
Attic	Attic
Attic Area	399 sqft
Basement Area	832 sqft
Finished Basement	300 sqft
Unfinished Basement	532 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1428 JOSEPH ST
City	CINCINNATI
State	OH
Zip	45237-5914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	JOSEPH ST 40 X 129.98 LOT 93 YARMOUTH PARK 2ND
Legal Subdivision	YARMOUTH PARK 2ND
Legal Lot Number	93
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2008
Census Tract	6400

Owner

Source: Hamilton County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 19, 2024	Deed of Trust, Mortgage · Conventional Mortgage CINFED CU
Dec 13, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2004 · Amount on Record
Deed Sale	Mar 9, 2004 · Amount on Record
Deed Document Number	200456127
Deed Book / Page	9554 / 1296
Prior Transfer Date	Feb 27, 2004
Prior Transfer Doc	0000185867
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914

Mortgage

Document Number	0000039790
Date	May 29, 2025
Book Page	15426/2215
Instrument	2025-0039790

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914

Mortgage

Document Number	0000025894
Date	Apr 19, 2024
Book Page	15149/1592
Instrument	2024-0025894

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.2%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1428 JOSEPH ST, CINCINNATI, OH 45237-5914
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000088937
Date	Dec 13, 2024
Book Page	15312/406
Instrument	2024-0088937

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,550.00 (-26.58%) Homeowner's exemption	$35,235 (-) Land $5,096 Building $30,139	$100,670 (-) Land $14,560 Building $86,110
2024	$2,111.00 (-2.22%)	$35,235 (-) Land $5,096 Building $30,139
2023	$2,159.00 (+21.09%)	$35,235 (+35.14%) Land $5,096 Building $30,139	$100,670 (+35.15%) Land $14,560 Building $86,110
2022	$1,783.00 Homeowner's exemption	$26,072 Land $4,365 Building $21,707
2020			$74,490 Land $12,470 Building $62,020

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

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

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 599 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	1,000 / 75
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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