2811 Sovereign Dr, Cincinnati, OH 45251 Property Records

Hamilton County property record for 2811 Sovereign Dr, Cincinnati, OH 45251

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,004 sqft · built 1990
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2025)
Tax Bill	$4,435 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`510-0064-0236-00`

Property Details

APN / Parcel Number

Primary APN	`510-0064-0236-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,004 sqft Living Area
Gross Area	3,289 sqft
1st Floor Area	984 sqft
2nd Floor Area	1,020 sqft
Basement Area	844 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 62.5 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	115 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2811 SOVEREIGN DR
City	CINCINNATI
State	OH
Zip	45251-8404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOVEREIGN DRIVE 62.50 X 120 FT LOT 16 NORTH RIDGE SUB SEC 1
Legal Subdivision	NORTH RIDGE SUB
Legal Lot Number	16
Jurisdiction	HAMILTON OH
Township / Civil Division	COLERAIN
Census Block Group	1
Census Block	1002
Census Tract	20705

Owner

2811 Sovereign Dr is owned and occupied by an individual who bought it in May 2025.

Source: Hamilton County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2811 SOVEREIGN DR, CINCINNATI, OH 45251-8404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
May 5, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 16, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on File
Deed Sale	May 5, 2025 · Amount on File
Prior Sale	Jul 16, 2020 · Amount on File
Deed Document Number	202532764
Deed Book / Page	15409 / 2360
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 11, 2026
Property Address	2811 SOVEREIGN DR, CINCINNATI, OH 45251-8404
Document Number	0000036332
Book / Page	15663 / 2241
Instrument Date	May 6, 2026
Instrument	202636332
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 SOVEREIGN DR, CINCINNATI, OH 45251-8404

Mortgage

Document Number	0000036332,
Date	May 11, 2026
Book Page	15663/2241
Instrument	202636332

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 5, 2025
Property Address	2811 SOVEREIGN DR, CINCINNATI, OH 45251-8404
Document Number	0000032764
Book / Page	15409 / 2360
Map Reference	MB 275 PG 10
Instrument Date	May 5, 2025
Instrument	2025-0032764
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525281 SOVEREIGN DC, CONCERNING, OH

Mortgage

Document Number	0000032765
Date	May 5, 2025
Instrument	2025-0032765

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2055

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 16, 2020
Property Address	2811 SOVEREIGN DR, CINCINNATI, OH 45251-8404
Document Number	0000068488
Book / Page	014211 / 000684
Instrument Date	Jul 10, 2020
Instrument	68488
Transaction Type	Transfer
Record Updated	Sep 4, 2020
Title Company	MATTINGLY FORD TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Confirmed
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	2811 SOVEREIGN DR CINCINNATI OH 452518404, CINCINNATI, OH 45251-8404

Mortgage

Document Number	68489
Date	Jul 16, 2020
Book Page	014211/000686
Instrument	68489

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2811 Sovereign Dr was $4,435, up 7.9% 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	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,435.00 (+7.86%)	$77,001 (+%) Land $11,813 Building $65,188	$220,000 Land $33,750 Building $186,250
2024	$4,112.00 (-0.6%)	$76,999 (-) Land $11,812 Building $65,187
2023	$4,137.00 (-4.41%)	$76,999 (+17.14%) Land $11,812 Building $65,187	$220,000 Land $33,750 Building $186,250
2022	$4,328.00 Homeowner's exemption	$65,734 Land $10,252 Building $55,482
2020			$187,810 Land $29,290 Building $158,520

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 2811 Sovereign Dr 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

Wildfire risk around 2811 Sovereign Dr is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

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 319 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	300 / 20

May also be available: T-Mobile.

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