Hamilton County property record for 295 Lower River Rd, Cleves, OH 45002
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,291 sqft · built 1910 |
| Lot Size | 0.191 acres (8,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $142,000 (Jun 2021) |
| Tax Bill | $2,618 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 572-0007-0016-00 |
| Primary APN | 572-0007-0016-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,291 sqft Living Area |
| Gross Area | 1,787 sqft |
| 1st Floor Area | 795 sqft |
| 2nd Floor Area | 496 sqft |
| Basement Area | 496 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,320 sqft (0.191 acres) |
| Lot Dimensions | 171 ft deep x 50.4 ft wide |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 378 sqft |
| Deck Area | Deck Area |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 295 LOWER RIVER RD |
|---|---|
| City | CLEVES |
| State | OH |
| Zip | 45002-1212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 295 LOWER RIVER RD 50.43 X 171.70 IRR LOT 3 HOWELLS 1ST SUB |
| Legal Subdivision | HOWELLS 1ST SUB |
| Legal Lot Number | 3 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 20401 |
Source: Hamilton County records, as of July 1, 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 | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jun 4, 2021 | Warranty Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY |
| Nov 2, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2021 · Amount on Record |
| Deed Sale | Jun 4, 2021 · Amount on Record |
| Prior Sale | Nov 2, 2018 · Amount on Record |
| Deed Document Number | 202169049 |
| Deed Book / Page | 14432 / 3197 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Document Number | 0000026224 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 14365/1265 |
| Instrument | 2021-0026224 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 4, 2021 |
| Property Address | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Document Number | 0000069049 |
| Book / Page | 14432 / 3197 |
| Map Reference | MB 9 PG 9 |
| Instrument Date | May 28, 2021 |
| Instrument | 2021-0069049 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2021 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $426.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Document Number | 0000069050 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 2021-0069050 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 2, 2018 |
| Property Address | 295 LOWER RIVER RD, CLEVES, OH 45002-1212 |
| Document Number | 0000097699 |
| Book / Page | 013788 / 001181 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 97699 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 LOWER RIVER RD CLEVES OH 450021212, CLEVES, OH 45002-1212 |
| Document Number | 97700 |
|---|---|
| Date | Nov 2, 2018 |
| Book Page | 013788/001184 |
| Instrument | 97700 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2048 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Miami Township |
| Municipality | Cleves Village |
| Unified School District | Three Rivers Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,618.00 (+11.69%) | $49,700 (-) Land $5,684 Building $44,016 | $142,000 (-) Land $16,240 Building $125,760 |
| 2024 | $2,344.00 (-0.17%) | $49,700 (-) Land $5,684 Building $44,016 | |
| 2023 | $2,348.00 (+45.39%) | $49,700 (+82.04%) Land $5,684 Building $44,016 | $142,000 (+82.05%) Land $16,240 Building $125,760 |
| 2022 | $1,615.00 Homeowner's exemption | $27,301 Land $4,939 Building $22,362 | |
| 2020 | $78,000 Land $14,110 Building $63,890 |
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.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 17 (1978–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLEVES VILLAGE PWS serves 6,000 people · EPA ID OH3100512 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 123 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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