Hamilton County property record for 226 Charles St, Cincinnati, OH 45215
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,164 sqft · built 1928 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jan 2023) |
| Tax Bill | $6,176 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 592-0011-0031-00 |
| Primary APN | 592-0011-0031-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,164 sqft Living Area |
| 1st Floor Area | 644 sqft |
| 2nd Floor Area | 520 sqft |
| Basement Area | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,752 sqft (0.155 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Patio Area | 255 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 226 CHARLES ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45215-4201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 226 CHARLES AVE 50 X 135 PTS LOTS 28-29 C S WOODRUFFS |
| Legal Subdivision | WOODRUFFS |
| Legal Lot Number | 28-29 29 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | WYOMING |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 22601 |
226 Charles St is owned and occupied by an individual who bought it in January 2023.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU |
| Jan 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jun 10, 2019 | Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2023 · Amount on File |
| Deed Sale | Jan 12, 2023 · Amount on File |
| Prior Sale | Jun 10, 2019 · Amount on File |
| Deed Document Number | 0000002749 |
| Deed Book / Page | 14831 / 812 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Document Number | 0000096547 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 15559/1297 |
| Instrument | 2025-0096547 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45242 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 5, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.99% |
| Index | Prime Rate |
| Max Rate | 2.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 12, 2023 |
| Property Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Document Number | 0000002749 |
| Book / Page | 14831 / 812 |
| Map Reference | MB 4 PG 279 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 2023-0002749 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Document Number | 0000002750 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 2023-0002750 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000124587 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 14523/266 |
| Instrument | 2021-0124587 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 10, 2019 |
| Property Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Document Number | 0000044787 |
| Book / Page | 13935 / 00325 |
| Map Reference | MB 4 PG 279 |
| Instrument Date | May 23, 2019 |
| Instrument | 2019-0044787 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 226 CHARLES ST, CINCINNATI, OH 45215-4201 |
| Document Number | 0000044788 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 2019-0044788 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.1% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.1% |
| Index | 1-Year LIBOR |
| Max Rate | 9.1% |
The 2025 property tax bill for 226 Charles St was $6,176, up 2.4% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Wyoming City |
| Unified School District | Wyoming City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,176.00 (+2.44%) | $101,500 (-) Land $30,240 Building $71,260 | |
| 2024 | $6,029.00 (+8.47%) | $101,500 (-) Land $30,240 Building $71,260 | |
| 2023 | $5,558.00 (+17.23%) | $101,500 (+45%) Land $30,240 Building $71,260 | $290,000 Land $86,400 Building $203,600 |
| 2022 | $4,741.00 Homeowner's exemption | $70,000 Land $19,775 Building $50,225 | |
| 2020 | $200,000 Land $56,500 Building $143,500 |
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.
FEMA maps place 226 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 | 3 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Jul 1985 · river or lake flooding |
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 risk around 226 Charles St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 68% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 252 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures