28 Findlay St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 28 Findlay St, Cincinnati, OH 45202

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,054 sqft · built 2022
Lot Size	0.092 acres (4,008 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Mar 2026)
Tax Bill	$7,396 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`096-0006-0117-00`

Property Details

APN / Parcel Number

Primary APN	`096-0006-0117-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,054 sqft Living Area
Gross Area	3,978 sqft
1st Floor Area	1,468 sqft
2nd Floor Area	1,100 sqft
Basement Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Lot Area	4,008 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 79 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	28 FINDLAY ST
City	CINCINNATI
State	OH
Zip	45202-7726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CCP
Legal Description	28 FINDLAY ST 39.38 X 100 LOT 8 G FOXS SUB SQ D
Legal Subdivision	FOXS SUB
Legal Lot Number	8
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1016
Census Tract	1600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Over-the-Rhine Historic District listed 1983 · 945 contributing resources · NRIS 83001985

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

28 Findlay St is owned by an individual who bought it in March 2026.

Source: Hamilton County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-1337
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 27, 2022	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Aug 12, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026 · Amount on File
Deed Sale	Mar 20, 2026 · Amount on File
Prior Sale	Aug 12, 2020 · Amount on File
Deed Document Number	202620838
Deed Book / Page	15627 / 1606
Prior Transfer Date	Jun 15, 1998
Prior Transfer Doc	0000152025
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	28 FINDLAY ST, CINCINNATI, OH 45202-7726
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	RELIABLE LAND TITLE AGENCY LLC, RELIABLE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042434
Date	Apr 27, 2022
Book Page	14655/202
Instrument	2022-0042434

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 20, 2037

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Type Change Date	Apr 1, 2023
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	5.49%
Index	Prime Rate
Max Rate	9.49%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	28 FINDLAY ST, CINCINNATI, OH 45202-7726
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 W 6TH ST 524, 524, COVINGTON, KY 41011-1581

Mortgage

Document Number	0000097296
Date	Aug 12, 2021
Book Page	14479/178
Instrument	2021-0097296

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	370 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	8.25%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 20, 2026
Property Address	28 FINDLAY ST, CINCINNATI, OH 45202-7726
Document Number	0000020838
Book / Page	15627 / 1606
Map Reference	MB 2 PG 89
Instrument Date	Mar 13, 2026
Instrument	2026-0020838
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-1337
Mail Care Of	UNION SAVINGS BANK

Mortgage

Document Number	0000020839
Date	Mar 20, 2026
Instrument	2026-0020839

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 12, 2020
Property Address	28 FINDLAY ST, CINCINNATI, OH 45202-7726
Document Number	0000080211
Book / Page	014230 / 002165
Instrument Date	Jul 20, 2020
Instrument	80211
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$159.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 FINDLAY ST CINCINNATI OH 45202, CINCINNATI, OH 45202

Tax Assessment & Valuation

The 2025 property tax bill for 28 Findlay St was $7,396, down 1.8% from the year before.

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	$7,396.00 (-1.79%)	$216,220 (-) Land $18,477 Building $197,743	$617,770 Land $52,790 Building $564,980
2024	$7,531.00 (+68.78%)	$216,220 (+29.98%) Land $18,477 Building $197,743
2023	$4,462.00 (+665.35%)	$166,345 (+2,598.65%) Land $18,477 Building $147,868	$617,770 Land $52,790 Building $564,980
2022	$583.00	$6,164 Land $6,164
2020			$17,610 Land $17,610

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 28 Findlay St 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 28 Findlay St 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 529 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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