Hamilton County property record for 4097 W 8th St, Cincinnati, OH 45205
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,611 sqft · built 1915 |
| Lot Size | 0.167 acres (7,318 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $117,000 (May 2017) |
| Tax Bill | $652 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 179-0078-0216-00 |
| Primary APN | 179-0078-0216-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,611 sqft Living Area |
| 1st Floor Area | 862 sqft |
| 2nd Floor Area | 749 sqft |
| Upper Floors Area | 749 sqft |
| Basement Area | 862 sqft |
| Finished Basement | 200 sqft |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,318 sqft (0.167 acres) |
| Lot Width | 40 ft Width |
| Porch | Porch |
| Porch Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4097 W 8TH ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45205-2147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4097 W EIGHTH ST 40 FT IRR LOT 18 WESTERN VIEW SUB |
| Legal Subdivision | WESTERN VIEW SUB |
| Legal Lot Number | 18 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 9700 |
4097 W 8th St is owned and occupied by two individuals who bought it in May 2017.
Source: Hamilton County records, as of February 9, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4097 W 8TH ST, CINCINNATI, OH 45205-2147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 17, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2017 · Amount on File |
| Deed Sale | May 17, 2017 · Amount on File |
| Prior Sale | Feb 20, 2001 |
| Deed Document Number | 17-0044034 |
| Deed Book / Page | 13419 / 00377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4097 W 8TH ST, CINCINNATI, OH 45205-2147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000086194 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 14459/1484 |
| Instrument | 2021-0086194 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4097 W 8TH ST, CINCINNATI, OH 45205-2147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200111908 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 14282/3271 |
| Instrument | 2020-0111908 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 321 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 17, 2017 |
| Property Address | 4097 W 8TH ST, CINCINNATI, OH 45205-2147 |
| Document Number | 0000004034 |
| Book / Page | 13419 / 00377 |
| Map Reference | MB 22 PG 86 |
| Instrument Date | May 8, 2017 |
| Instrument | 17-0044034 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $351.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4097 W 8TH ST, CINCINNATI, OH 45205-2147 |
| Document Number | 0000004035 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 17-0044035 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 4097 W 8th St was $652, up 3% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $652.00 (+3%) | $67,071 (-) Land $4,862 Building $62,209 | |
| 2024 | $633.00 (-2.16%) | $67,071 (-) Land $4,862 Building $62,209 | |
| 2023 | $647.00 (+10.79%) | $67,071 (+48.89%) Land $4,862 Building $62,209 | $191,630 Land $13,890 Building $177,740 |
| 2022 | $584.00 Homeowner's exemption | $45,046 Land $4,827 Building $40,219 | |
| 2020 | $128,700 Land $13,790 Building $114,910 |
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.
FEMA maps place 4097 W 8th 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 risk around 4097 W 8th 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 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.
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 |
| 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.
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 |
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