321 Helen St, Cincinnati, OH 45219 Property Records

Hamilton County property record for 321 Helen St, Cincinnati, OH 45219

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,070 sqft · built 1907
Lot Size	0.077 acres (3,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Apr 2026)
Tax Bill	$3,273 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`089-0002-0022-00`

Property Details

APN / Parcel Number

Primary APN	`089-0002-0022-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,070 sqft Living Area
Gross Area	4,294 sqft
1st Floor Area	1,256 sqft
2nd Floor Area	1,236 sqft
Attic	Attic
Attic Area	603 sqft
Basement Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,354 sqft (0.077 acres)
Lot Dimensions	80.5 ft deep x 40 ft wide
Porch	Open Frame Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	321 HELEN ST
City	CINCINNATI
State	OH
Zip	45219-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMX
Legal Description	321 HELEN ST 40 X 80.49 SS HELEN ST 80 FT E OF HIGHLAND AV
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3011
Census Tract	2200

Owner

Source: Hamilton County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 HELEN ST, CINCINNATI, OH 45219-3130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Oct 20, 2022	Warranty Deed, Construction Loan · Construction Mortgage RCN CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Dec 6, 2023 · Amount on Record
Deed Document Number	202629343
Deed Book / Page	15648 / 371
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	321 HELEN ST, CINCINNATI, OH 45219-3130
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 HEIGHTS AVE, LANSING, MI 48912-3512
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002624
Date	Jan 12, 2024
Book Page	15081/57
Instrument	2024-0002624

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2053

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 20, 2026
Property Address	321 HELEN ST, CINCINNATI, OH 45219-3130
Document Number	0000029343
Book / Page	15648 / 371
Instrument Date	Feb 25, 2026
Instrument	2026.29343
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,980.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	321 HELEN ST, CINCINNATI, OH 45219-3130

Mortgage

Document Number	0000029344,
Date	Apr 20, 2026
Book Page	15648/377
Instrument	2026.29344

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.43%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 6, 2023
Property Address	321 HELEN ST, CINCINNATI, OH 45219-3130
Document Number	0000085489
Book / Page	15056 / 70
Instrument Date	Nov 30, 2023
Instrument	2023-0085489
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Full Amount Stated
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	321 HELEN ST, CINCINNATI, OH 45219-3130

Mortgage

Document Number	0000085490
Date	Dec 6, 2023
Instrument	2023-0085490

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

October 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 20, 2022
Property Address	321 HELEN ST, CINCINNATI, OH 45219-3130
Document Number	0000099083
Book / Page	14777 / 121
Instrument Date	Oct 15, 2022
Instrument	2022-0099083
Transaction Type	Construction Loan
Record Updated	Nov 24, 2022

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 THOMAS DR, THEODORE, AL 36582-2357

Mortgage

Document Number	0000099084
Date	Oct 20, 2022
Instrument	2022-0099084

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2023

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	$3,273.00 (+3.12%)	$140,001 (+%) Land $9,174 Building $130,827	$400,000 (-) Land $26,210 Building $373,790
2024	$3,174.00 (-5.87%)	$140,000 (+163.8%) Land $9,173 Building $130,827
2023	$3,372.00 (+75.53%)	$53,071 (+95.73%) Land $9,174 Building $43,897	$400,000 (+416.33%) Land $26,210 Building $373,790
2022	$1,921.00	$27,115 Land $5,226 Building $21,889
2020			$77,470 Land $14,930 Building $62,540

Assessed value is set for property tax purposes, not a market price estimate; it is 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 573 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	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed.

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