4045 Palos St, Cincinnati, OH 45205 Property Records

Hamilton County property record for 4045 Palos St, Cincinnati, OH 45205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,287 sqft · built 1924
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Mar 2020)
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`179-0076-0160-00`

Property Details

APN / Parcel Number

Primary APN	`179-0076-0160-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,287 sqft Living Area
1st Floor Area	706 sqft
2nd Floor Area	581 sqft
Upper Floors Area	581 sqft
Basement Area	706 sqft

Exterior

Year Built	Built 1924
Architectural Style	Conventional
Exterior Material	Stucco
Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	4045 PALOS ST
City	CINCINNATI
State	OH
Zip	45205-2185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4045 PALOS ST 50 X 140 SS PALOS ST 300 FT E OF ROSEMONT AVE
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2002
Census Tract	9700

Owner

4045 Palos St is owned and occupied by an individual who bought it in March 2020.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4045 PALOS ST, CINCINNATI, OH 45205-2185
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2020 · Amount on File
Deed Sale	Mar 2, 2020 · Amount on File
Prior Sale	May 20, 2011 · Amount on File
Deed Document Number	0000021028
Deed Book / Page	014115 / 003192
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 2, 2020
Property Address	4045 PALOS ST, CINCINNATI, OH 45205-2185
Document Number	0000021028
Book / Page	014115 / 003192
Instrument Date	Feb 28, 2020
Instrument	21028
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 PALOS ST CINCINNATI OH 452052185, CINCINNATI, OH 45205-2185

Mortgage

Document Number	21031
Date	Mar 2, 2020
Book Page	014115/003198
Instrument	21031

Lender

Name	DAVID SENSKE
Address	5484 DENGAIL DR, CINCINNATI, OH 45238-4705
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Palos St was $1,816, down 1.8% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

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	$1,816.00 (-1.84%)	$29,306 (-) Land $5,590 Building $23,716
2024	$1,850.00 (+2.72%)	$29,306 (-) Land $5,590 Building $23,716
2023	$1,801.00 (+36.13%)	$29,306 (+52.24%) Land $5,590 Building $23,716	$83,730 Land $15,970 Building $67,760
2022	$1,323.00 Homeowner's exemption	$19,250 Land $5,551 Building $13,699
2020			$55,000 Land $15,860 Building $39,140

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 4045 Palos 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

Wildfire risk around 4045 Palos St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20