315 Mill St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 315 Mill St, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,461 sqft · built 1871
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Feb 2026)
Tax Bill	$2,249 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`641-0014-0127-00`

Property Details

APN / Parcel Number

Primary APN	`641-0014-0127-00`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,461 sqft Living Area
Gross Area	3,839 sqft
1st Floor Area	1,378 sqft
2nd Floor Area	1,083 sqft
Basement Area	1,378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	315 MILL ST
City	CINCINNATI
State	OH
Zip	45215-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL ST 50 X 150 LOT 21 E ANDERSON ET AL SUB
Legal Subdivision	ANDERSON ET AL SUB
Legal Lot Number	21
Jurisdiction	HAMILTON OH
Township / Civil Division	LOCKLAND
Census Block Group	2
Census Block	2024
Census Tract	27400

Owner

315 Mill St is owned and occupied by an individual who bought it in February 2026.

Source: Hamilton County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	315 MILL ST, CINCINNATI, OH 45215-4616
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
Feb 8, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 12, 2026	Affidavit of Death of Joint Tenant, Transfer NORTHWEST TTL FAM OF COMPANI
Feb 17, 2026	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Jun 9, 2017	Grant Deed, Transfer · FHA Mortgage GUARANTY TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on File
Deed Sale	Feb 17, 2026 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Document Number	202611372
Deed Book / Page	15604 / 741
Prior Transfer Date	Feb 5, 2026
Prior Transfer Doc	0000010925
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	315 MILL ST, CINCINNATI, OH 45215-4616
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MILL ST, CINCINNATI, OH 45215-4616

Mortgage

Document Number	0000013766
Date	Feb 8, 2022
Book Page	14600/205
Instrument	2022-0013766

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

February 2026: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Feb 12, 2026
Property Address	315 MILL ST, CINCINNATI, OH 45215-4616
Document Number	0000010925
Book / Page	15602 / 1532
Map Reference	MB 4 PG 75
Instrument Date	Feb 10, 2026
Instrument	2026-0010925
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MILL ST, CINCINNATI, OH 45215-4616

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 17, 2026
Property Address	315 MILL ST, CINCINNATI, OH 45215-4616
Document Number	0000011372
Book / Page	15604 / 741
Map Reference	MB 4 PG 75
Instrument Date	Feb 10, 2026
Instrument	2026-0011372
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MILL ST, CINCINNATI, OH 45215-4616

Mortgage

Document Number	0000011373
Date	Feb 17, 2026
Instrument	2026-0011373

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 9, 2017
Property Address	315 MILL ST, CINCINNATI, OH 45215-4616
Document Number	0000051713
Book / Page	013435 / 001330
Instrument Date	May 26, 2017
Instrument	51713
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	CINCINNATUS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 MILL ST CINCINNATI OH 452154616, CINCINNATI, OH 45215-4616

Mortgage

Document Number	51715
Date	Jun 9, 2017
Book Page	013435/001335
Instrument	51715

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 315 Mill St was $2,249, up 46.8% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Lockland Village
Unified School District	Lockland Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,249.00 (+46.8%)	$28,032 (-) Land $3,763 Building $24,269	$80,090 Land $10,750 Building $69,340
2024	$1,532.00 (-0.84%)	$28,032 (-) Land $3,763 Building $24,269
2023	$1,545.00 (-23.51%)	$28,032 (-4.66%) Land $3,763 Building $24,269	$80,090 Land $10,750 Building $69,340
2022	$2,020.00 Homeowner's exemption	$29,401 Land $3,308 Building $26,093
2020			$84,000 Land $9,450 Building $74,550

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 315 Mill St 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 315 Mill St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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