1509 Elm St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 1509 Elm St, Cincinnati, OH 45202

Property Summary

Property Type	Landominium
Details	4 ba · 1,988 sqft · built 2016
Lot Size	0.051 acres (2,252 sqft)
Owner	Individual Name on Record
Last Sale	$782,000 (Jun 2021)
Tax Bill	$5,380 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-0002-0520-00`

Property Details

APN / Parcel Number

Primary APN	`081-0002-0520-00`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
1st Floor Area	994 sqft
2nd Floor Area	994 sqft
Basement Area	994 sqft
Finished Basement	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	2,252 sqft (0.051 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1509 ELM ST
City	CINCINNATI
State	OH
Zip	45202-6906
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Landominium
Legal Description	ELM ST & BLANCA ALLEYLOT 5 0.0517 AC ELM STREET TOWNHOMES SUB
Legal Subdivision	ELM STREET TWNHMS SUB
Legal Lot Number	5
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1007
Census Tract	900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Over-the-Rhine Historic District listed 1983 · 945 contributing resources · NRIS 83001985

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hamilton County records, as of February 9, 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	1509 ELM ST, CINCINNATI, OH 45202-6906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Dec 8, 2017
Deed Document Number	0000069035
Deed Book / Page	14432 / 3153
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 4, 2021
Property Address	1509 ELM ST, CINCINNATI, OH 45202-6906
Document Number	0000069035
Book / Page	14432 / 3153
Map Reference	MB 456 PG 99
Instrument Date	May 28, 2021
Instrument	2021-0069035
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	OLD TOWN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,346.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8534 E KEMPER RD, CINCINNATI, OH 45249-3701

Mortgage

Document Number	0000069036
Date	Jun 4, 2021
Instrument	2021-0069036

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Mortgage

Document Number	0000069037
Date	Jun 4, 2021
Book Page	14432/3160
Instrument	2021-0069037

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

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	$5,380.00 (+3.14%)	$273,700 (-) Land $43,750 Building $229,950
2024	$5,216.00 (-5.51%)	$273,700 (-) Land $43,750 Building $229,950
2023	$5,520.00 (+1.92%)	$273,700 (+3.58%) Land $43,750 Building $229,950	$782,000 (+3.58%) Land $125,000 Building $657,000
2022	$5,416.00 Homeowner's exemption	$264,250 Land $43,750 Building $220,500
2020			$755,000 Land $125,000 Building $630,000

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 723 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures