20 Tower St, Cincinnati, OH 45220 Property Records

Hamilton County property record for 20 Tower St, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,358 sqft · built 1925
Lot Size	0.112 acres (4,879 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Dec 2005)
Tax Bill	$1,273 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`216-0042-0010-00`

Property Details

APN / Parcel Number

Primary APN	`216-0042-0010-00`
Alternative APN	`0088880`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	859 sqft
2nd Floor Area	499 sqft
Upper Floors Area	499 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,879 sqft (0.112 acres)
Lot Dimensions	122 ft deep x 80 ft wide
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	20 TOWER ST
City	CINCINNATI
State	OH
Zip	45220-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	20 TOWER ST 40 X 122.40 PT LOTS 9-10 MOESSINGER &HOFFMANN
Legal Subdivision	MOESSINGER & HOFFMAN
Legal Lot Number	9-10
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3005
Census Tract	6900

Owner

Source: Hamilton County assessment roll, as of January 21, 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 File
Mailing Address	20 TOWER ST, CINCINNATI, OH 45220-1331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 27, 2005 · Amount on Record
Deed Sale	Dec 27, 2005 · Amount on Record
Deed Document Number	2005217847
Deed Book / Page	10126 / 51
Prior Transfer Date	May 24, 2004
Prior Transfer Doc	0000160720
Record Updated	Sep 20, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	20 TOWER ST, CINCINNATI, OH 45220-1331
Document Number	0000002004
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 TOWER ST CINCINNATI OH 452201331, CINCINNATI, OH 45220-1331

Mortgage

Document Number	0000002004
Date	Jan 7, 2020
Book Page	014078/001978
Instrument	2004

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	468 Months
Due	Jan 6, 2059

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$1,273.00 (-0.39%)	$21,029 (+0.01%) Land $3,938 Building $17,091	$60,080 (-) Land $11,250 Building $48,830
2024	$1,278.00 (-2.14%)	$21,027 (-) Land $3,937 Building $17,090
2023	$1,306.00 (+33.4%)	$21,027 (+49.63%) Land $3,937 Building $17,090	$60,080 (+49.64%) Land $11,250 Building $48,830
2022	$979.00 Homeowner's exemption	$14,053 Land $3,924 Building $10,129
2020			$40,150 Land $11,210 Building $28,940

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

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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile USA.

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