1871 John Gray Rd, Cincinnati, OH 45240 Property Records

Hamilton County property record for 1871 John Gray Rd, Cincinnati, OH 45240

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,746 sqft · built 1971
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (Sep 2020)
Tax Bill	$4,619 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`590-0411-0253-00`

Property Details

APN / Parcel Number

Primary APN	`590-0411-0253-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,746 sqft Living Area
Gross Area	3,317 sqft
1st Floor Area	980 sqft
2nd Floor Area	1,036 sqft
Basement Area	860 sqft
Finished Basement	730 sqft
Unfinished Basement	130 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	185 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	50 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1871 JOHN GRAY RD
City	CINCINNATI
State	OH
Zip	45240-1029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPUD
Legal Description	JOHNGRAY RD 65 X 185 LOT 352 KEMPERMILL VILLAGE SUB BLK B PT 19
Legal Subdivision	KEMPERMILL VILLAGE SUB
Legal Block	B
Legal Lot Number	352
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	21508

Owner

Source: Hamilton County records, as of August 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1871 JOHN GRAY RD, CINCINNATI, OH 45240-1029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Sep 16, 2020	Warranty Deed, Transfer HUNTINGTON NAT'L BK
Sep 13, 2018	Deed of Trust, Mortgage · FHA Mortgage GUARANTY TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Mar 5, 2015 · Amount on Record
Deed Document Number	202094150
Deed Book / Page	14254 / 788
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jul 23, 2026
Property Address	1871 JOHN GRAY RD, CINCINNATI, OH 45240-1029
Document Number	0000059505
Book / Page	15713 / 759
Instrument Date	Jun 1, 2026
Instrument	202659505
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1871 JOHN GRAY RD, CINCINNATI, OH 45240-1029

Mortgage

Document Number	0000059505,
Date	Jul 23, 2026
Book Page	15713/759
Instrument	202659505

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	291 Months
Due	Oct 1, 2050

Interest

Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 16, 2020
Property Address	1871 JOHN GRAY RD, CINCINNATI, OH 45240-1029
Document Number	0000094150
Book / Page	014254 / 000788
Instrument Date	Sep 4, 2020
Instrument	94150
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$848.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1871 JOHN GRAY RD CINCINNATI OH 452401029, CINCINNATI, OH 45240-1029

Mortgage

Document Number	94151
Date	Sep 16, 2020
Book Page	014254/000790
Instrument	94151

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

Mortgage

Document Number	94152,
Date	Sep 16, 2020
Book Page	014254/000810
Instrument	94152

Lender

Name	HOUSING FIN AGCY

Agreement

Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1871 JOHN GRAY RD, CINCINNATI, OH 45240-1029
Document Number	0000084591
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	CINCINNATUS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1871 JOHN GRAY RD CINCINNATI OH 452401029, CINCINNATI, OH 45240-1029

Mortgage

Document Number	0000084591
Date	Sep 24, 2018
Book Page	013759/000900
Instrument	84591

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2048

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Springfield Township
Unified School District	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,619.00 (+2.39%)	$74,201 (+%) Land $14,508 Building $59,693	$212,000 (-) Land $41,450 Building $170,550
2024	$4,511.00 (+5.32%)	$74,199 (-) Land $14,507 Building $59,692
2023	$4,283.00 (+0.82%)	$74,199 (+25.63%) Land $14,507 Building $59,692	$212,000 (+25.63%) Land $41,450 Building $170,550
2022	$4,248.00 Homeowner's exemption	$59,063 Land $12,551 Building $46,512
2020			$168,750 Land $35,860 Building $132,890

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 Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Feb 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	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 345 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

May also be available: Verizon.

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