404 Flora St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 404 Flora St, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,300 sqft · built 1979
Lot Size	0.962 acres (41,905 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Nov 2025)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`671-0008-0020-00`

Property Details

APN / Parcel Number

Primary APN	`671-0008-0020-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	41,905 sqft (0.962 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	78 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	404 FLORA ST
City	CINCINNATI
State	OH
Zip	45215-3869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MADISON ST FT IRR LOT 243 PT LOTS 217-218 J H OLIVER 1ST SUB
Legal Subdivision	J H OLIVER 1ST SUB
Legal Lot Number	243 218
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	2
Census Block	2002
Census Tract	23222

Owner

Source: Hamilton County records · APN 671-0008-0020-00

Assessment roll updated March 1, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	305 ROAD 6614, DAYTON, TX 77535-1375
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Deed Document Number	0000089558
Deed Book / Page	15544 / 566
Record Updated	Jun 08, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 17, 2025
Property Address	404 FLORA ST, CINCINNATI, OH 45215-3869
Document Number	0000089558
Book / Page	15544 / 566
Map Reference	MB 1 PG 257
Instrument Date	Nov 10, 2025
Instrument	2025-0089558
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
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	305 ROAD 6614, DAYTON, TX 77535-1375

Mortgage

Document Number	0000089559
Date	Nov 17, 2025
Instrument	2025-0089559

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,529.00 (-2.49%)	$66,567 (-) Land $23,107 Building $43,460
2024	$3,619.00 (+3.46%)	$66,567 (-) Land $23,107 Building $43,460
2023	$3,498.00 (-14.26%)	$66,567 (+10.61%) Land $23,107 Building $43,460	$190,190 (+10.61%) Land $66,020 Building $124,170
2022	$4,080.00 Homeowner's exemption	$60,180 Land $24,770 Building $35,410
2020			$171,940 Land $70,770 Building $101,170

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 22, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 532 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	READING CITY PWS serves 9,506 people
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.