1549 Joseph St, Cincinnati, OH 45237 Property Records

Hamilton County property record for 1549 Joseph St, Cincinnati, OH 45237

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,688 sqft · built 1928
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on File
Tax Bill	$3,724 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`119-0A03-0100-00`

Property Details

APN / Parcel Number

Primary APN	`119-0A03-0100-00`
Alternative APN	`0011251`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	4,240 sqft
1st Floor Area	1,344 sqft
2nd Floor Area	1,344 sqft
Basement Area	1,552 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	203 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1549 JOSEPH ST
City	CINCINNATI
State	OH
Zip	45237-5915
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	SF4
Legal Description	1549 JOSEPH AVE 40 X 203.21 LOT 141 YARMOUTH PARK SUB
Legal Subdivision	YARMOUTH PARK SUB
Legal Lot Number	141
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3014
Census Tract	6400

Owner

1549 Joseph St, a residential property, is owned and occupied by an individual who acquired it in July 2007.

Source: Hamilton County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Closed-End Mortgage NORTH SIDE BANK & TRUST COMPANY
Nov 27, 2018	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SIDE BK
Aug 23, 2017	Loan Modification, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2007
Deed Sale	Jul 31, 2007
Prior Sale	Apr 26, 1996 · Amount on File
Deed Document Number	2007110771
Deed Book / Page	10613 / 270
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915

Mortgage

Document Number	0000083674
Date	Aug 30, 2022
Book Page	14741/1137
Instrument	2022-0083674

Lender

Name	NORTH SIDE BANK & TRUST COMPANY
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 22, 2027

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103948
Date	Nov 27, 2018
Book Page	13802/00304
Instrument	2018-0103948

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Nov 19, 2023

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915
Document Number	0000119689
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 JOSEPH ST #2 CINCINNATI OH 452375915, 2, CINCINNATI, OH 45237-5915

Mortgage

Document Number	0000119689
Date	Nov 13, 2020
Book Page	014295/001076
Instrument	119689

Lender

Name	NORTH SIDE BK
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2035

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	1549 JOSEPH ST, CINCINNATI, OH 45237-5915
Document Number	0000086144
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 JOSEPH ST CINCINNATI OH 452375915, CINCINNATI, OH 45237-5915

Mortgage

Document Number	0000086144
Date	Sep 20, 2017
Book Page	013506/002248
Instrument	86144

Lender

Name	BANK OF AMERICA
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Amount	Amount on Record
Term	480 Months
Due	Sep 19, 2057

Interest

Rate	7.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1549 Joseph St was $3,724, up 1.7% from the year before.

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	$3,724.00 (+1.72%)	$59,591 (-) Land $5,978 Building $53,613	$170,260 Land $17,080 Building $153,180
2024	$3,661.00 (-1.27%)	$59,591 (-) Land $5,978 Building $53,613
2023	$3,708.00 (+60.17%)	$59,591 (+78.62%) Land $5,978 Building $53,613	$170,260 Land $17,080 Building $153,180
2022	$2,315.00 Homeowner's exemption	$33,362 Land $5,117 Building $28,245
2020			$95,320 Land $14,620 Building $80,700

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

FEMA maps place 1549 Joseph St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1549 Joseph St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

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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