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397 McWhorter St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 397 McWhorter St, Cincinnati, OH 45215

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,112 sqft · built 1961
Lot Size0.143 acres (6,229 sqft)
Owner2 Individual Names on Record
Tax Bill$2,927 (2025)
Deeds & MortgagesSep 2021 Mortgage
Flood ZoneZone AE (high risk)
APN671-0005-0013-00

Property Details

APN / Parcel Number

Primary APN671-0005-0013-00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area2,112 sqft Living Area
Gross Area2,672 sqft
1st Floor Area1,320 sqft
2nd Floor Area792 sqft
Basement Area560 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleMulti-Level
Exterior MaterialBrick
Construction TypeBrick
Roof MaterialAsphalt
Lot Area6,229 sqft (0.143 acres)
Lot Dimensions126 ft deep x 50.1 ft wide
Patio Area170 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address397 MCWHORTER ST
CityCINCINNATI
StateOH
Zip45215-3131
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMC WHORTER 50.07 X 126.23IRR LOT 16 KOENING 2ND SUB
Legal SubdivisionKOENING 2ND SUB
Legal Lot Number16
JurisdictionHAMILTON OH
Township / Civil DivisionREADING
Census Block Group1
Census Block1015
Census Tract23201

Owner

Source: Hamilton County records, as of January 21, 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 Record2 Individual Names on Record
Mailing Address397 MCWHORTER ST, CINCINNATI, OH 45215-3131
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 28, 2021
Deed SaleSep 28, 2021
Prior SaleSep 4, 2008 · Amount on Record
Deed Document Number2021117441
Deed Book / Page14511 / 3653
Prior Transfer DateMay 5, 2021
Prior Transfer Doc0000117441
Record UpdatedSep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHAMILTON OH
Recording DateSep 28, 2021
Property Address397 MCWHORTER ST, CINCINNATI, OH 45215-3131
Document Number0000117441
Book / Page14511 / 3653
Map ReferenceMB 29 PG 48
Instrument DateMay 5, 2021
Instrument2021-0117441
Transaction TypeTransfer
Record UpdatedFeb 10, 2026
Title CompanyMORTGAGE CONNECT LP

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address397 MCWHORTER ST, CINCINNATI, OH 45215-3131

Mortgage

Document Number0000117442
DateSep 28, 2021
Instrument2021-0117442
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term303 Months
DueDec 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
MunicipalityReading City
Unified School DistrictReading Community City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,927.00 (+2.41%)$55,220 (-) Land $9,373 Building $45,847$157,770 (-) Land $26,780 Building $130,990
2024$2,858.00 (-1.48%)$55,220 (-) Land $9,373 Building $45,847
2023$2,901.00 (-1.39%)$55,220 (+27.22%) Land $9,373 Building $45,847$157,770 (+27.22%) Land $26,780 Building $130,990
2022$2,942.00 Homeowner's exemption$43,404 Land $7,539 Building $35,865
2020$124,010 Land $21,540 Building $102,470

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

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies9 in force
Nearby Flood Claims2 (1979–2020)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 2020 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 81% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemREADING CITY PWS
serves 9,506 people · EPA ID OH3101812
Water SourcePurchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State InspectionOct 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025

ProviderMax 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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