2603 Niagara St, Cincinnati, OH 45231 Property Records

Hamilton County property record for 2603 Niagara St, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1958
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on File
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`510-0051-0368-00`

Property Details

APN / Parcel Number

Primary APN	`510-0051-0368-00`
Alternative APN	`0084457`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,886 sqft (0.204 acres)
Lot Dimensions	105 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2603 NIAGARA ST
City	CINCINNATI
State	OH
Zip	45231-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NIAGARA ST 85 X 105 IRR LOT 247 NORTHBROOK BLK C
Legal Subdivision	NORTHBROOK
Legal Block	C
Legal Lot Number	247
Jurisdiction	HAMILTON OH
Township / Civil Division	COLERAIN
Census Block Group	2
Census Block	2009
Census Tract	21603

Owner

2603 Niagara St is owned and occupied by an individual who acquired it in March 2017.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2603 NIAGARA ST, CINCINNATI, OH 45231-2215
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
Jul 30, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 22, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jan 3, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage MAINSOURCE BANK
Mar 23, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2017
Deed Sale	Mar 23, 2017
Prior Sale	Jun 28, 2002 · Amount on File
Deed Document Number	201726072
Prior Transfer Date	Mar 15, 2017
Prior Transfer Doc	0000026072
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2603 NIAGARA ST, CINCINNATI, OH 45231-2215
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092414
Date	Jul 30, 2021
Book Page	14470/696
Instrument	2021-0092414

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2603 NIAGARA ST, CINCINNATI, OH 45231-2215
Document Number	0000061175
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2603 NIAGARA ST CINCINNATI OH 452312215, CINCINNATI, OH 45231-2215

Mortgage

Document Number	0000061175
Date	Jul 29, 2019
Book Page	013968/000502
Instrument	61175

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

January 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 3, 2018
Property Address	2603 NIAGARA ST, CINCINNATI, OH 45231-2215
Document Number	0000000723
Map Reference	MB 78 PG 67
Instrument Date	Dec 22, 2017
Instrument	18-0000723
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ALLODIAL TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PLANO PKWY, 5000, CARROLLTON, TX 75010-4900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1927 N GREENSBURG XING, GREENSBURG, IN 47240-8588
Mail Care Of	MAINSOURCE BANK

Mortgage

Document Number	0000000724
Date	Jan 3, 2018
Instrument	18-0000724

Lender

Name	MAINSOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2048

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 23, 2017
Property Address	2603 NIAGARA ST, CINCINNATI, OH 45231-2215
Document Number	0000026072
Book / Page	013380 / 001844
Instrument Date	Mar 15, 2017
Instrument	26072
Transaction Type	Foreclosure
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$102.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2603 Niagara St was $2,285, up 6.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Colerain Township
Unified School District	Mount Healthy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,285.00 (+6.13%)	$42,456 (+%) Land $8,012 Building $34,444	$121,300 Land $22,890 Building $98,410
2024	$2,153.00 (-0.78%)	$42,454 (-) Land $8,011 Building $34,443
2023	$2,170.00 (+20.56%)	$42,454 (+66.39%) Land $8,011 Building $34,443	$121,300 Land $22,890 Building $98,410
2022	$1,800.00 Homeowner's exemption	$25,515 Land $7,294 Building $18,221
2020			$72,900 Land $20,840 Building $52,060

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2603 Niagara St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

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	2 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · rainfall accumulation

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

Wildfire risk around 2603 Niagara 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 595 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

May also be available: AT&T.

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