405 Elm St, Cincinnati, OH 45238 Property Records

Hamilton County property record for 405 Elm St, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1954
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Sep 2019)
Tax Bill	$2,146 (2025)
Deeds & Mortgages	Sep 2019 Sale Sep 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`540-0041-0048-00`

Property Details

APN / Parcel Number

Primary APN	`540-0041-0048-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	2,064 sqft
1st Floor Area	888 sqft
Basement Area	888 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	405 ELM ST
City	CINCINNATI
State	OH
Zip	45238-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	405 ELM ST 60 X 100 PTS LOTS 129-130 BEPLER & WILLIAM SUB PARS 48-325
Legal Subdivision	BEPLER & WILLIAM SUB
Legal Lot Number	129-1
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	3
Census Block	3004
Census Tract	21401

Owner

Source: Hamilton County records, as of January 21, 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 Record
Mailing Address	6604 CLEVES WARSAW PIKE, CINCINNATI, OH 45233-4520
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Warranty Deed, Transfer AMERICAN HOMELAND TITLE
Sep 24, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Mar 8, 2017	Deed of Trust, Mortgage CINCINNATUS S&L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on Record
Deed Sale	Sep 24, 2019 · Amount on Record
Prior Sale	Mar 14, 2012 · Amount on Record
Deed Document Number	201982104
Deed Book / Page	14008 / 1333
Prior Transfer Date	Nov 30, 2000
Prior Transfer Doc	0084370220
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 24, 2019
Property Address	405 ELM ST, CINCINNATI, OH 45238-5409
Document Number	0000082104
Book / Page	014008 / 001333
Instrument Date	Sep 18, 2019
Instrument	82104
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 CLEVES WALE SAYLER PARK OH 45233, SAYLER PARK, OH 45233

September 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON OH
Recording Date	Sep 24, 2019
Property Address	405 ELM ST, CINCINNATI, OH 45238-5409
Document Number	0000082103
Book / Page	014008 / 001330
Instrument Date	Sep 18, 2019
Instrument	82103
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3381 ROBINET DR CINCINNATI OH 452382119, CINCINNATI, OH 45238-2119

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	405 ELM ST, CINCINNATI, OH 45238-5409
Document Number	0000022192
Book / Page	013372 / 001337
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 ELM ST CINCINNATI OH 452385409, CINCINNATI, OH 45238-5409

Mortgage

Document Number	0000022192
Date	Mar 13, 2017
Book Page	013372/001337
Instrument	22192

Lender

Name	CINCINNATUS S&L
Type	Federal Savings Bank
Address	CINCINNATI, OH 45211

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 12, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Delhi Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,146.00 (-6.74%)	$35,095 (-) Land $7,980 Building $27,115	$100,270 (-) Land $22,800 Building $77,470
2024	$2,301.00 (+8.59%)	$35,095 (-) Land $7,980 Building $27,115
2023	$2,119.00 (+97.12%)	$35,095 (+122.83%) Land $7,980 Building $27,115	$100,270 (+122.82%) Land $22,800 Building $77,470
2022	$1,075.00	$15,750 Land $7,140 Building $8,610
2020			$45,000 Land $20,400 Building $24,600

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 1998 · 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 Risk	Low lower than 98% of the US · lower than 90% 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 402 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	1,000 / 75
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures