2851 E Saint Charles Pl, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2851 E Saint Charles Pl, Cincinnati, OH 45208

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.005 acres (218 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Oct 1994)
Tax Bill	$19 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-0005-0213-00`

Property Details

APN / Parcel Number

Primary APN	`040-0005-0213-00`

Exterior

Lot Area	218 sqft (0.005 acres)
Lot Dimensions	5 ft deep x 35 ft wide

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2851 E SAINT CHARLES PL
City	CINCINNATI
State	OH
Zip	45208-1426
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	MONTEITH AVE 35 X 5 PT LOT 4 HENRY MORTENS
Legal Subdivision	HENRY MORTONS ESTATE
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 February 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3577 MONTEITH AVE, CINCINNATI, OH 45208-1533
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 10, 2020	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 1994 · Amount on Record
Deed Sale	Oct 4, 1994 · Amount on Record
Deed Document Number	736755
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2851 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000132641
Date	Nov 2, 2021
Book Page	14536/243
Instrument	2021-0132641

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2851 E SAINT CHARLES PL, CINCINNATI, OH 45208-1426
Document Number	0000070661
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2851 E SAINT CHARLES PL CINCINNATI OH 45208, CINCINNATI, OH 45208

Mortgage

Document Number	0000070661
Date	Jul 21, 2020
Book Page	014214/002530
Instrument	70661

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$19.00	$70 (-) Land $70
2024	$19.00	$70 (-) Land $70
2023	$19.00 (-5%)	$70 (-13.58%) Land $70	$200 (-13.04%) Land $200
2022	$20.00	$81 Land $81
2020			$230 Land $230

Assessed value is set for property tax purposes, not a market price estimate; it is 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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