409 Lafayette Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 409 Lafayette Ave, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,533 sqft · built 1969
Lot Size	0.484 acres (21,083 sqft)
Owner	2 Individual Names on File
Last Sale	$712,000 (Sep 2023)
Tax Bill	$11,427 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`218-0060-0049-00`

Property Details

APN / Parcel Number

Primary APN	`218-0060-0049-00`
Alternative APN	`0010607`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,533 sqft Living Area
Gross Area	3,721 sqft
1st Floor Area	1,336 sqft
2nd Floor Area	972 sqft
Basement Area	972 sqft
Finished Basement	225 sqft
Unfinished Basement	747 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	21,083 sqft (0.484 acres)
Lot Dimensions	176 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	409 LAFAYETTE AVE
City	CINCINNATI
State	OH
Zip	45220-1079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF20
Legal Description	LAFAYETTE AVE 126.47 X 176.80 IRR LOT 1 LAFAYETTE ESTATES
Legal Subdivision	LAFAYETTE ESTATE
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1012
Census Tract	7100

Owner

409 Lafayette Ave is owned and occupied by two individuals who bought it in September 2023.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Date	Document
Sep 26, 2023	Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Prior Sale	Jul 11, 2000 · Amount on File
Deed Document Number	202368630
Deed Book / Page	15008 / 1353
Prior Transfer Date	Jun 1, 1995
Prior Transfer Doc	0000071741
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 26, 2023
Property Address	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079
Document Number	0000068630
Book / Page	15008 / 1353
Map Reference	MB 20 PG 13-16
Instrument Date	Sep 21, 2023
Instrument	2023-0068630
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATL TTL SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.00
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	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079

Mortgage

Document Number	0000068631
Date	Sep 26, 2023
Instrument	2023-0068631

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Margin	3
Max Rate	11.7%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079

Mortgage

Document Number	0000052583
Date	Jul 28, 2023
Book Page	14967/677
Instrument	2023-0052583

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	May 4, 2018
Property Address	409 LAFAYETTE AVE, CINCINNATI, OH 45220-1079
Document Number	0000038035
Book / Page	013661 / 001877
Instrument Date	May 3, 2018
Instrument	38035
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LAFAYETTE AVE CINCINNATI OH 452201079, CINCINNATI, OH 45220-1079

Tax Assessment & Valuation

The 2025 property tax bill for 409 Lafayette Ave was $11,427, up 3.1% from the year before.

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

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	$11,427.00 (+3.13%)	$185,340 (+%) Land $55,381 Building $129,959	$529,540 Land $158,230 Building $371,310
2024	$11,080.00 (-2.21%)	$185,338 (-) Land $55,380 Building $129,958
2023	$11,330.00 (+2.93%)	$185,338 (+14.75%) Land $55,380 Building $129,958	$529,540 Land $158,230 Building $371,310
2022	$11,008.00 Homeowner's exemption	$161,508 Land $49,546 Building $111,962
2020			$461,450 Land $141,560 Building $319,890

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 409 Lafayette Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	4 (1978–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2015 · other causes

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

Wildfire risk around 409 Lafayette Ave 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 95 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

May also be available: T-Mobile.

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