Hamilton County property record for 307 Locust St, Cleves, OH 45002
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,600 sqft · built 1923 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,000 (Mar 2020) |
| Tax Bill | $2,672 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 572-0009-0079-00 |
| Primary APN | 572-0009-0079-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 1,880 sqft |
| 1st Floor Area | 844 sqft |
| 2nd Floor Area | 256 sqft |
| Basement Area | 780 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 280 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 157 ft deep x 158 ft wide |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 272 sqft |
| Deck Area | Deck Area |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 307 LOCUST ST |
|---|---|
| City | CLEVES |
| State | OH |
| Zip | 45002-1343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 123 HARRISON AVE 158.40 X 157.14 IRR-LOTS 19 & 20 BOGART SUB PARS 79-80 CONS |
| Legal Subdivision | BOGART SUB |
| Legal Lot Number | 19,20 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20401 |
307 Locust St is owned and occupied by an individual who bought it in March 2020.
Source: Hamilton County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| 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.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · VA Mortgage ACTS LENDING INC |
| Dec 20, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Nov 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE FUNDING LLC |
| Nov 6, 2025 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Nov 21, 2024 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Mar 6, 2020 | Warranty Deed, Transfer · VA Mortgage WINTRUST MTG |
| Oct 7, 2019 | Warranty Deed, Transfer · Construction Mortgage JAMES V HOUCHIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on File |
| Deed Sale | Mar 6, 2020 · Amount on File |
| Prior Sale | Oct 7, 2019 · Amount on File |
| Deed Document Number | 202022237 |
| Deed Book / Page | 14119 / 62 |
| Prior Transfer Date | May 19, 2011 |
| Prior Transfer Doc | 0000000113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 10, 2026 |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000074754 |
| Book / Page | 15747 / 2026 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202674754 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000074754, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 15747/2026 |
| Instrument | 202674754 |
| Name | ACTS LENDING INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Oct 1, 2054 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000151521 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 14567/349 |
| Instrument | 2021-0151521 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000082458 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 15047/90 |
| Instrument | 2023-0082458 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000086863 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | 15538/1407 |
| Instrument | 2025-0086863 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000083227 |
|---|---|
| Date | Nov 21, 2024 |
| Book Page | 15298/1751 |
| Instrument | 2024-0083227 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 6, 2020 |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000022237 |
| Book / Page | 014119 / 000062 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 22237 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 LOCUST ST CLEVES OH 450021343, CLEVES, OH 45002-1343 |
| Document Number | 22238 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 014119/000064 |
| Instrument | 22238 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 7, 2019 |
| Property Address | 307 LOCUST ST, CLEVES, OH 45002-1343 |
| Document Number | 0000086872 |
| Book / Page | 014017 / 002297 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 86872 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $151.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 3611 LAWRENCEBURG IN 470253611, LAWRENCEBURG, IN 47025-3611 |
| Document Number | 85803 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 014015/002062 |
| Instrument | 85803 |
| Name | JAMES V HOUCHIN |
|---|---|
| Address | 9168 PAR DR, LAWRENCEBURG, IN 47025 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 6, 2020 |
The 2025 property tax bill for 307 Locust St was $2,672, up 12.6% from the year before.
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 | $2,672.00 (+12.6%) | $51,020 (-) Land $8,691 Building $42,329 | $145,770 Land $24,830 Building $120,940 |
| 2024 | $2,373.00 (-0.88%) | $51,020 (-) Land $8,691 Building $42,329 | |
| 2023 | $2,394.00 (-11.5%) | $51,020 (+10.43%) Land $8,691 Building $42,329 | $145,770 Land $24,830 Building $120,940 |
| 2022 | $2,705.00 Homeowner's exemption | $46,200 Land $8,799 Building $37,401 | |
| 2020 | $132,000 Land $25,140 Building $106,860 |
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.
FEMA maps place 307 Locust St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 7 (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.
Wildfire risk around 307 Locust St is low, with a 0.01% annual chance of wildfire.
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 265 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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