Hamilton County property record for 38 Clay St, Cincinnati, OH 45217
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,760 sqft · built 1895 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,803 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 582-0005-0057-00 |
| Primary APN | 582-0005-0057-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Finished Area |
| 1st Floor Area | 880 sqft |
| 2nd Floor Area | 880 sqft |
| Basement Area | 880 sqft |
| Year Built | Built 1895 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 125 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 144 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 38 CLAY ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45217-1102 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 38 CLAY ST 35 X 125 PT LOT 55 WRIGHT PER COMRS SUB |
| Legal Subdivision | WRIGHT PER COMRS SUB |
| Legal Lot Number | 55 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ST. BERNARD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 25800 |
38 Clay St, a duplex, is owned and occupied by two individuals who acquired it in January 1990.
Source: Hamilton County records, as of February 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CLAY ST, CINCINNATI, OH 45217-1102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1990 |
| Deed Sale | Jan 1, 1990 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 38 Clay St was $2,803 with a homeowner's exemption, up 2.6% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | St. Bernard Village |
| Unified School District | St. Bernard-Elmwood Place City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,803.00 (+2.56%) Homeowner's exemption | $55,073 (-) Land $9,006 Building $46,067 | |
| 2024 | $2,733.00 (-4.84%) Homeowner's exemption | $55,073 (-) Land $9,006 Building $46,067 | |
| 2023 | $2,872.00 (+193.66%) Homeowner's exemption | $55,073 (+162.85%) Land $9,006 Building $46,067 | $157,350 Land $25,730 Building $131,620 |
| 2022 | $978.00 Homeowner's exemption | $20,952 Land $7,025 Building $13,927 | |
| 2020 | $59,860 Land $20,070 Building $39,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Clay St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 | 4 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storms And Flooding |
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.
The area around 38 Clay 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 411 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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