1807 Wilaray Ter, Cincinnati, OH 45230 Property Records

Hamilton County property record for 1807 Wilaray Ter, Cincinnati, OH 45230

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,365 sqft · built 1937
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2022)
Tax Bill	$4,860 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-0003-0203-00`

Property Details

APN / Parcel Number

Primary APN	`001-0003-0203-00`
Alternative APN	`0058055`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
Gross Area	1,841 sqft
1st Floor Area	604 sqft
2nd Floor Area	461 sqft
Upper Floors Area	461 sqft
Basement Area	576 sqft
Finished Basement	300 sqft
Unfinished Basement	276 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	128 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	108 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1807 WILARAY TER
City	CINCINNATI
State	OH
Zip	45230-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	1807 WILARAY 69.56 X 128.41 IRR-PT LOT 10 J H GERARD SUB PARS 203-227 CONS
Legal Subdivision	GERARD SUB
Legal Lot Number	10
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2005
Census Tract	4602

Owner

Source: Hamilton County records, as of September 18, 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	1807 WILARAY TER, CINCINNATI, OH 45230-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST COMPANY
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Nov 29, 2021	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	202276621
Deed Book / Page	14724 / 1601
Prior Transfer Date	Jul 3, 2001
Prior Transfer Doc	0000117194
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Aug 12, 2026
Property Address	1807 WILARAY TER, CINCINNATI, OH 45230-1905
Document Number	0000065826
Book / Page	15727 / 1201
Instrument Date	Aug 3, 2026
Instrument	202665826
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 WILARAY TER, CINCINNATI, OH 45230-1905

Mortgage

Document Number	0000065826,
Date	Aug 12, 2026
Book Page	15727/1201
Instrument	202665826

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 3, 2036

Interest

Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 5, 2022
Property Address	1807 WILARAY TER, CINCINNATI, OH 45230-1905
Document Number	0000076621
Book / Page	14724 / 1601
Map Reference	MB 1 PG 43
Instrument Date	Jul 29, 2022
Instrument	2022-0076621
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 WILARAY TER, CINCINNATI, OH 45230-1905

Mortgage

Document Number	0000076622
Date	Aug 5, 2022
Instrument	2022-0076622

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 29, 2021
Property Address	1807 WILARAY TER, CINCINNATI, OH 45230-1905
Document Number	0000142681
Book / Page	14552 / 2735
Map Reference	MB 5 PG 254
Instrument Date	Nov 23, 2021
Instrument	2021-0142681
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	6244 BEECHCREST PL, CINCINNATI, OH 45230-1617

Mortgage

Document Number	0000142682
Date	Nov 29, 2021
Instrument	2021-0142682

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$4,860.00 (+3.12%)	$78,750 (-) Land $9,261 Building $69,489	$225,000 (-) Land $26,460 Building $198,540
2024	$4,713.00 (-2.2%)	$78,750 (-) Land $9,261 Building $69,489
2023	$4,819.00 (+77.95%)	$78,750 (+99.06%) Land $9,261 Building $69,489	$225,000 (+99.06%) Land $26,460 Building $198,540
2022	$2,708.00 Homeowner's exemption	$39,561 Land $7,791 Building $31,770
2020			$113,030 Land $22,260 Building $90,770

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 · 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 Claims	1 (1979)
Most Recent Claim	Mar 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 414 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	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, T-Mobile.

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