20 Clark Rd, Cincinnati, OH 45215 Property Records

Hamilton County property record for 20 Clark Rd, Cincinnati, OH 45215

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,100 sqft · built 1948
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$319,500 (Apr 2026)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`671-0011-0029-00`

Property Details

APN / Parcel Number

Primary APN	`671-0011-0029-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,100 sqft Living Area
Gross Area	3,150 sqft
1st Floor Area	1,050 sqft
2nd Floor Area	1,050 sqft
Basement Area	1,050 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	162 ft deep x 42.5 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	20 CLARK RD
City	CINCINNATI
State	OH
Zip	45215-5503
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	CLARK RD 42.50 X 162.16 IRR R1-T4-S32 SW
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	2
Census Block	2001
Census Tract	23201

Owner

20 Clark Rd, a residential property, is owned and occupied by an individual who bought it in April 2026.

Source: Hamilton County records, as of May 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 CLARK RD, CINCINNATI, OH 45215-5503
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Fiduciary Deed, Transfer · Conventional Mortgage PARK NATIONAL BANK
Sep 1, 2017	Deed of Trust, Mortgage HERITAGE BANK
Mar 29, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Jun 5, 2000 · Amount on File
Deed Document Number	202628284
Deed Book / Page	15645 / 570
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0000023246
Record Updated	Oct 29, 2026

April 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 15, 2026
Property Address	20 CLARK RD, CINCINNATI, OH 45215-5503
Document Number	0000028284
Book / Page	15645 / 570
Instrument Date	Apr 10, 2026
Instrument	2026.28284
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,539.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLARK RD, CINCINNATI, OH 45215-5503

Mortgage

Document Number	0000028285,
Date	Apr 15, 2026
Instrument	2026..28285

Lender

Name	PARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	20 CLARK RD, CINCINNATI, OH 45215-5503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080388
Date	Sep 1, 2017
Instrument	17-0080388

Lender

Name	HERITAGE BANK
Type	Bank
Address	NEWPORT, KY 41071

Agreement

Amount	Amount on Record
Term	239 Months
Due	Aug 14, 2037

Interest

Rate Type	Adjustable Rate

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 29, 2019
Property Address	20 CLARK RD, CINCINNATI, OH 45215-5503
Document Number	0000023246
Book / Page	013885 / 000419
Instrument Date	Mar 27, 2019
Instrument	23246
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1311 US HIGHWAY 52 NEW RICHMOND OH 451579402, NEW RICHMOND, OH 45157-9402

Tax Assessment & Valuation

The 2025 property tax bill for 20 Clark Rd was $2,930.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,930.00	$53,971 (+%) Land $8,845 Building $45,126	$154,200 Land $25,270 Building $128,930
2024	$2,930.00 (+0.17%)	$53,969 (-) Land $8,844 Building $45,125
2023	$2,925.00 (-0.1%)	$53,969 (+28.58%) Land $8,844 Building $45,125	$154,200 Land $25,270 Building $128,930
2022	$2,928.00	$41,972 Land $7,112 Building $34,860
2020			$119,920 Land $20,320 Building $99,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 Clark Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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	7 in force
Nearby Flood Claims	8 (1979–2013)
Most Recent Claim	Jul 2013 · other causes

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

The area around 20 Clark Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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