2885 W Tower Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 2885 W Tower Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,116 sqft · built 1938
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on Record
Last Sale	$76,000 (Aug 2018)
Tax Bill	$2,657 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2024 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`248-0001-0045-00`

Property Details

APN / Parcel Number

Primary APN	`248-0001-0045-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
Gross Area	1,946 sqft
1st Floor Area	620 sqft
2nd Floor Area	496 sqft
Upper Floors Area	496 sqft
Basement Area	830 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2885 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 59.85 X 135.69 IRR
Legal Subdivision	GREEN TOWNSHIP SEC 7
Legal Lot Number	17
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1000
Census Tract	10004

Owner

Source: Hamilton County records, as of July 28, 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	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 11, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 6, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 29, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 9, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jan 3, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Jun 5, 2015 · Amount on Record
Deed Document Number	201869842
Deed Book / Page	13728 / 1513
Prior Transfer Date	Jul 15, 2005
Prior Transfer Doc	0000125750
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515

Mortgage

Document Number	0000077266
Date	Oct 6, 2025
Book Page	15515/361
Instrument	2025-0077266

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2045

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015953
Date	Mar 11, 2024
Book Page	15120/1468
Instrument	2024-0015953

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001087
Date	Jan 6, 2023
Book Page	14827/137
Instrument	2023-0001087

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2043

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054489
Date	May 3, 2021
Book Page	14409/1019
Instrument	2021-0054489

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123940
Date	Oct 13, 2021
Book Page	14522/530
Instrument	2021-0123940

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001420
Date	Jan 5, 2022
Book Page	14577/1528
Instrument	2022-0001420

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2027

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Document Number	0000096614
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 W TOWER AVE CINCINNATI OH 452382515, CINCINNATI, OH 45238-2515

Mortgage

Document Number	0000096614
Date	Nov 5, 2019
Book Page	014038/000958
Instrument	96614

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2034

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 9, 2018
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Document Number	0000069842
Book / Page	013728 / 001513
Instrument Date	Jul 27, 2018
Instrument	69842
Transaction Type	Transfer
Record Updated	Oct 9, 2018
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 W TOWER AVE CINCINNATI OH 452382515, CINCINNATI, OH 45238-2515

Mortgage

Document Number	69843
Date	Aug 9, 2018
Book Page	013728/001515
Instrument	69843

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 3, 2017
Property Address	2885 W TOWER AVE, CINCINNATI, OH 45238-2515
Document Number	0000000387
Book / Page	013325 / 001647
Instrument Date	Dec 29, 2016
Instrument	387
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2589 COUNTRYLAKE DR CINCINNATI OH 452331784, CINCINNATI, OH 45233-1784

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	$2,657.00 (+0.15%)	$41,696 (-) Land $7,763 Building $33,933	$119,130 (-) Land $22,180 Building $96,950
2024	$2,653.00 (-0.19%)	$41,696 (-) Land $7,763 Building $33,933
2023	$2,658.00 (+40.63%)	$41,696 (+56.75%) Land $7,763 Building $33,933	$119,130 (+56.75%) Land $22,180 Building $96,950
2022	$1,890.00	$26,601 Land $6,969 Building $19,632
2020			$76,000 Land $19,910 Building $56,090

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	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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