18 W Elder St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 18 W Elder St, Cincinnati, OH 45202

Property Summary

Property Type	Store with Apartments
Details	3,720 sqft · built 1874
Lot Size	0.046 acres (2,047 sqft)
Owner	Company Name on Record
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`094-0008-0328-00`

Property Details

APN / Parcel Number

Primary APN	`094-0008-0328-00`

Interior

Stories	1 Story
Building Area	3,720 sqft

Exterior

Year Built	Built 1874
Lot Area	2,047 sqft (0.046 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	18 W ELDER ST
City	CINCINNATI
State	OH
Zip	45202-4969
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Description	18 W ELDER ST 20 X 100 PT LOT 20 FINDLAY-GARRARDSUB BLK C
Legal Subdivision	FINDLAY-GARRARD SUB
Legal Block	C
Legal Lot Number	20
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1020
Census Tract	1600

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	Company Name on Record
Mailing Address	2019 HIGHLAND AVE, CINCINNATI, OH 45219-3105
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Deed of Trust, Construction Loan · Line of Credit CENTERBANK
Jun 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2017
Deed Sale	Jun 5, 2017
Prior Sale	Jul 3, 2013 · Amount on Record
Deed Document Number	0000049978
Deed Book / Page	013431 / 001370
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Mar 2, 2020
Property Address	18 W ELDER ST, CINCINNATI, OH 45202-4969
Document Number	0000020482
Book / Page	014115 / 000292
Instrument Date	Feb 27, 2020
Instrument	20482
Transaction Type	Construction Loan
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2019 HIGHLAND AVE CINCINNATI OH 452193105, CINCINNATI, OH 45219-3105

Mortgage

Document Number	0000020482
Date	Mar 2, 2020
Book Page	014115/000292
Instrument	20482

Lender

Name	CENTERBANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2030

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 5, 2017
Property Address	18 W ELDER ST, CINCINNATI, OH 45202-4969
Document Number	0000049978
Book / Page	013431 / 001370
Instrument Date	Jun 2, 2017
Instrument	49978
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2019 HIGHLAND AVE CINCINNATI OH 452193105, CINCINNATI, OH 45219-3105

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	$1,594.00 (+0.57%)	$103,075 (-) Land $9,919 Building $93,156
2024	$1,585.00 (+0.25%)	$103,075 (-) Land $9,919 Building $93,156
2023	$1,581.00 (-11.43%)	$103,075 (+92.39%) Land $9,919 Building $93,156	$294,500 (+92.4%) Land $28,340 Building $266,160
2022	$1,785.00	$53,575 Land $8,855 Building $44,720
2020			$153,070 Land $25,300 Building $127,770

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 529 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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