1927 Wilaray Ter, Cincinnati, OH 45230 Property Records

Hamilton County property record for 1927 Wilaray Ter, Cincinnati, OH 45230

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,379 sqft · built 1932
Lot Size	0.194 acres (8,494 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Nov 2025)
Tax Bill	$5,489 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-0003-0188-00`

Property Details

APN / Parcel Number

Primary APN	`001-0003-0188-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,379 sqft Living Area
1st Floor Area	684 sqft
2nd Floor Area	695 sqft
Attic Area	202 sqft
Basement Area	684 sqft
Finished Basement	432 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Architectural Style	Conventional
Exterior Material	Stone
Lot Area	8,494 sqft (0.194 acres)
Lot Dimensions	121 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1927 WILARAY TER
City	CINCINNATI
State	OH
Zip	45230-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILARAY TER 70 X 121.49 PT LOT 3 KOPF & BRESSLERSSUB
Legal Subdivision	KOPF & BRESSLERS SUB
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1007
Census Tract	4602

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
Co-owner	Co-owner on Record
Mailing Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Nov 18, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Feb 8, 2002 · Amount on Record
Deed Document Number	0000090053
Deed Book / Page	15545 / 887
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736

Mortgage

Document Number	0000068154
Date	Sep 4, 2025
Book Page	15493/2761
Instrument	2025-0068154

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	15249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Max Rate	13.2%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 18, 2025
Property Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936
Document Number	0000090053
Book / Page	15545 / 887
Map Reference	MB 29 PG 46
Instrument Date	Nov 17, 2025
Instrument	2025-0090053
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936

Mortgage

Document Number	0000090054
Date	Nov 18, 2025
Instrument	2025-0090054

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1927 WILARAY TER, CINCINNATI, OH 45230-1936
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000551
Date	Jan 3, 2017
Instrument	17-0000551

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Dec 2, 2025

Interest

Rate Type	Fixed Rate

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	$5,489.00 (+3.12%)	$88,991 (-) Land $8,960 Building $80,031
2024	$5,323.00 (-2.2%)	$88,991 (-) Land $8,960 Building $80,031
2023	$5,443.00 (+21.99%)	$88,991 (+36.1%) Land $8,960 Building $80,031	$254,260 (+36.1%) Land $25,600 Building $228,660
2022	$4,462.00 Homeowner's exemption	$65,388 Land $7,543 Building $57,845
2020			$186,820 Land $21,550 Building $165,270

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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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