2845 E Saint Charles Pl, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2845 E Saint Charles Pl, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,656 sqft · built 1912
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Jan 2017)
Tax Bill	$9,420 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-0005-0157-00`

Property Details

APN / Parcel Number

Primary APN	`040-0005-0157-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	984 sqft
2nd Floor Area	672 sqft
Basement Area	672 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	119 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2845 E SAINT CHARLES PL
City	CINCINNATI
State	OH
Zip	45208-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	2845 ST CHARLES PL 44 X 119.61 IRR PT LOT 4 MORTONS SUB
Legal Subdivision	MORTONS SUB
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1008
Census Tract	5000

Owner

Source: Hamilton County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage P N C BANK NA
Feb 25, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 27, 2017	Deed, Transfer · Conventional Mortgage PNC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Deed Document Number	20178754
Last Transfer Date	Feb 13, 2026
Transfer Doc	0000014001
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 19, 2026
Property Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Document Number	0000038759
Book / Page	15669 / 173
Instrument Date	May 13, 2026
Instrument	202638759
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426

Mortgage

Document Number	0000038759,
Date	May 19, 2026
Book Page	15669/173
Instrument	202638759

Lender

Name	P N C BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 25, 2026
Property Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Document Number	0000014001
Book / Page	15610 / 1042
Map Reference	MB 041 PG 82
Instrument Date	Feb 13, 2026
Instrument	2026-0014001
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 27, 2017
Property Address	2845 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Document Number	0000008754
Map Reference	BK 88 PG 373
Instrument Date	Jan 12, 2017
Instrument	17-0008754
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,047.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 STERRETT AVE, CINCINNATI, OH 45204-1711

Mortgage

Document Number	0000008755
Date	Jan 27, 2017
Instrument	17-0008755

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$9,420.00 (+3.09%)	$153,035 (+%) Land $71,656 Building $81,379	$437,240 (-) Land $204,730 Building $232,510
2024	$9,138.00 (-2.18%)	$153,033 (-) Land $71,655 Building $81,378
2023	$9,342.00 (-3.08%)	$153,033 (+8%) Land $71,655 Building $81,378	$437,240 (+8%) Land $204,730 Building $232,510
2022	$9,639.00 Homeowner's exemption	$141,694 Land $52,332 Building $89,362
2020			$404,840 Land $149,520 Building $255,320

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 481 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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