Hamilton County property record for 1948 Wilaray Ter, Cincinnati, OH 45230
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,242 sqft · built 1930 |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (May 2021) |
| Tax Bill | $7,101 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-0003-0178-00 |
| Primary APN | 001-0003-0178-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,242 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| 2nd Floor Area | 936 sqft |
| Upper Floors Area | 936 sqft |
| Basement Area | 1,206 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 23,000 sqft (0.528 acres) |
| Lot Dimensions | 310 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 454 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 690 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1948 WILARAY TER |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45230-1936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLARAY 78.40X310.14 P LT 10 KOPF&BRESSLER 1STSUB&LND NEXT E OF LT 10 PRS 178-200 CONS |
| Legal Subdivision | KOPF & BRESSLERS |
| Legal Lot Number | 10 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 4602 |
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 | 1948 WILARAY TER, CINCINNATI, OH 45230-1936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 24, 2021 | Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Dec 16, 2020 | Loan Modification, Mortgage UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Deed Document Number | 0000063937 |
| Deed Book / Page | 14424 / 791 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1948 WILARAY TER, CINCINNATI, OH 45230-1936 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1948 WILARAY TER, CINCINNATI, OH 45230-1936 |
| Investor | Possibly a Property Investor |
| Document Number | 0000053224 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | 14969/182 |
| Instrument | 2023-0053224 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 24, 2021 |
| Property Address | 1948 WILARAY TER, CINCINNATI, OH 45230-1936 |
| Document Number | 0000063937 |
| Book / Page | 14424 / 791 |
| Map Reference | MB 29 PG 46 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021-0063937 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1948 WILARAY TER, MOUNT WASHINGTON, OH 45230-1936 |
| Document Number | 0000063938 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 2021-0063938 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Max Rate | 7.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1948 WILARAY TER, CINCINNATI, OH 45230-1936 |
| Document Number | 0000136655 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3533 MACPHERSON TERRACT PL CINCINNATI OH 45245, CINCINNATI, OH 45245 |
| Document Number | 0000136655 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 014322/001448 |
| Instrument | 136655 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,101.00 (+3.12%) | $115,182 (-) Land $12,131 Building $103,051 | |
| 2024 | $6,886.00 (-2.2%) | $115,182 (-) Land $12,131 Building $103,051 | |
| 2023 | $7,041.00 (+49.62%) | $115,182 (+67.07%) Land $12,131 Building $103,051 | $329,090 (+67.07%) Land $34,660 Building $294,430 |
| 2022 | $4,706.00 Homeowner's exemption | $68,944 Land $10,210 Building $58,734 | |
| 2020 | $196,980 Land $29,170 Building $167,810 |
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.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 310 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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