235 Loraine Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 235 Loraine Ave, Cincinnati, OH 45220

Property Summary

Property Type	Apartments (5+ Units)
Details	8,295 sqft · built 1970
Lot Size	0.267 acres (11,674 sqft)
Owner	Individual Name on File
Last Sale	$404,000 (Oct 2010)
Tax Bill	$12,006 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Dec 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-0050-0015-00`

Property Details

APN / Parcel Number

Primary APN	`217-0050-0015-00`

Interior

Total Rooms	8 Rooms
Stories	3 Stories
Building Area	8,295 sqft

Exterior

Year Built	Built 1970
Lot Area	11,674 sqft (0.267 acres)
Lot Dimensions	191 ft deep x 64 ft wide

Location & Zoning

Street Address	235 LORAINE AVE
City	CINCINNATI
State	OH
Zip	45220-1767
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	LORAINE AVE 63.75 X 191.46 IRR PT LOTS 3-4 SIBLEYS
Legal Subdivision	SIBLEYS LORAINE
Legal Lot Number	3-4 4
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2004
Census Tract	7000

Owner

235 Loraine Ave, a residential property, is owned by an individual who acquired it in November 2016.

Source: Hamilton County records, as of February 9, 2026

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 42068, CINCINNATI, OH 45242-0068
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CMNWLT BK
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CMNWLT BK
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2010 · Amount on File
Deed Sale	Oct 1, 2010 · Amount on File
Deed Document Number	0000116567
Last Transfer Date	Nov 18, 2016
Transfer Doc	0000109275
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	235 LORAINE AVE, CINCINNATI, OH 45220-1767
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080161
Date	Aug 18, 2022
Book Page	14733/89
Instrument	2022-0080161

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 12, 2042

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	235 LORAINE AVE, CINCINNATI, OH 45220-1767
Document Number	0000115507
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LORAINE AVE CINCINNATI OH 452201767, CINCINNATI, OH 45220-1767

Mortgage

Document Number	0000115507
Date	Dec 31, 2019
Book Page	014074/000025
Instrument	115507

Lender

Name	FIRST CMNWLT BK
Type	Bank
Address	DELAWARE, OH 43015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 30, 2044

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	235 LORAINE AVE, CINCINNATI, OH 45220-1767
Document Number	0000114865
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LORAINE AVE CINCINNATI OH 452201767, CINCINNATI, OH 45220-1767

Mortgage

Document Number	0000114865
Date	Dec 27, 2019
Book Page	014072/001914
Instrument	114865

Lender

Name	FIRST CMNWLT BK
Type	Bank
Address	DELAWARE, OH 43015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 26, 2029

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	235 LORAINE AVE, CINCINNATI, OH 45220-1767
Document Number	0000074121
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LORAINE AVE CINCINNATI OH 452201767, CINCINNATI, OH 45220-1767

Mortgage

Document Number	0000074121
Date	Aug 22, 2018
Book Page	013737/000515
Instrument	74121

Lender

Name	BRANCH BK&TR
Type	Bank
Address	CRESTVIEW HILLS, KY 41017-4712

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Aug 21, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 235 Loraine Ave was $12,006, up 0.7% from the year before.

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	$12,006.00 (+0.67%)	$144,687 (-) Land $55,055 Building $89,632
2024	$11,926.00 (+0.26%)	$144,687 (-) Land $55,055 Building $89,632
2023	$11,895.00 (+6.36%)	$144,687 (+18.97%) Land $55,055 Building $89,632	$413,390 Land $157,300 Building $256,090
2022	$11,184.00	$121,612 Land $52,938 Building $68,674
2020			$347,460 Land $151,250 Building $196,210

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

FEMA maps place 235 Loraine Ave in Zone X, an area of minimal flood risk.

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

The area around 235 Loraine Ave 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	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)
altafiber Network Solutions 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.

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