2881 W Tower Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 2881 W Tower Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,665 sqft · built 1955
Lot Size	0.442 acres (19,254 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Jul 2003)
Tax Bill	$3,885 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`248-0001-0043-00`

Property Details

APN / Parcel Number

Primary APN	`248-0001-0043-00`
Alternative APN	`65646668`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,665 sqft Living Area
Gross Area	2,854 sqft
1st Floor Area	925 sqft
2nd Floor Area	740 sqft
Upper Floors Area	740 sqft
Attic	Attic
Attic Area	444 sqft
Basement Area	925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	19,254 sqft (0.442 acres)
Lot Dimensions	166 ft deep x 35 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2881 W TOWER AVE
City	CINCINNATI
State	OH
Zip	45238-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	WEST TOWER AVE 35.16 X 166.27 IRR EAST END WEST TOWER AVE
Legal Subdivision	WM S P OSKAMP PLAT
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1000
Census Tract	10004

Owner

2881 W Tower Ave is owned and occupied by two individuals who bought it in July 2003.

Source: Hamilton County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2881 W TOWER AVE, CINCINNATI, OH 45238-2515
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 16, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2003 · Amount on File
Deed Sale	Jul 3, 2003 · Amount on File
Prior Sale	Jun 25, 1999 · Amount on File
Deed Document Number	2003418721
Deed Book / Page	9316 / 2373
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jul 16, 2026
Property Address	2881 W TOWER AVE, CINCINNATI, OH 45238-2515
Document Number	0000057299
Book / Page	15708 / 443
Instrument Date	Jun 13, 2026
Instrument	202657299
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 W TOWER AVE, CINCINNATI, OH 45238-2515

Mortgage

Document Number	0000057299,
Date	Jul 16, 2026
Book Page	15708/443
Instrument	202657299

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2881 W TOWER AVE, CINCINNATI, OH 45238-2515
Document Number	0000083186
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2881 W TOWER AVE CINCINNATI OH 452382515, CINCINNATI, OH 45238-2515

Mortgage

Document Number	0000083186
Date	Aug 20, 2020
Book Page	014236/001149
Instrument	83186

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 19, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 2881 W Tower Ave was $3,885, up 3.1% 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	$3,885.00 (+3.13%)	$63,046 (-) Land $11,095 Building $51,951	$180,130 Land $31,700 Building $148,430
2024	$3,767.00 (-2.21%)	$63,046 (-) Land $11,095 Building $51,951
2023	$3,852.00 (+67.33%)	$63,046 (+86.87%) Land $11,095 Building $51,951	$180,130 Land $31,700 Building $148,430
2022	$2,302.00 Homeowner's exemption	$33,737 Land $10,780 Building $22,957
2020			$96,390 Land $30,800 Building $65,590

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 2881 W Tower Ave 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 2881 W Tower Ave 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 412 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

May also be available: Verizon.

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