4110 28th St, Cincinnati, OH 45209 Property Records

Hamilton County property record for 4110 28th St, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,485 sqft · built 1917
Lot Size	0.074 acres (3,223 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Oct 2020)
Tax Bill	$6,247 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-0003-0230-00`

Property Details

APN / Parcel Number

Primary APN	`049-0003-0230-00`
Alternative APN	`0015114`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
Gross Area	2,279 sqft
1st Floor Area	794 sqft
2nd Floor Area	691 sqft
Upper Floors Area	691 sqft
Basement Area	794 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,223 sqft (0.074 acres)
Lot Dimensions	80 ft deep x 40 ft wide
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4110 28TH ST
City	CINCINNATI
State	OH
Zip	45209-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	4110 28TH ST 40 X 80 N PTS LOTS 624 625 THE OAKLEY PARK SUB PLAT A
Legal Subdivision	THE OAKLEY PARK SUB
Legal Lot Number	624
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1006
Census Tract	5200

Owner

Source: Hamilton County records, as of October 21, 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	4110 28TH ST, CINCINNATI, OH 45209-1602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 12, 2020	Warranty Deed, Transfer · Conventional Mortgage PEOPLES FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2020 · Amount on File
Deed Sale	Oct 12, 2020 · Amount on File
Prior Sale	Jun 20, 2014 · Amount on File
Deed Document Number	2020105506
Deed Book / Page	14272 / 2402
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Sep 22, 2026
Property Address	4110 28TH ST, CINCINNATI, OH 45209-1602
Document Number	0000078017
Book / Page	15755 / 760
Instrument Date	Sep 15, 2026
Instrument	202678017
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 28TH ST, CINCINNATI, OH 45209-1602

Mortgage

Document Number	0000078017,
Date	Sep 22, 2026
Book Page	15755/760
Instrument	202678017

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 12, 2046

Interest

Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 12, 2020
Property Address	4110 28TH ST, CINCINNATI, OH 45209-1602
Document Number	0000105506
Book / Page	14272 / 2402
Instrument Date	Oct 2, 2020
Instrument	2020-0105506
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,159.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	225 READING RD, MASON, OH 45040-1666

Mortgage

Document Number	0000105507
Date	Oct 12, 2020
Instrument	2020-0105507

Lender

Name	PEOPLES FIRST SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$6,247.00 (+3.14%)	$101,465 (-) Land $30,135 Building $71,330	$289,900 (-) Land $86,100 Building $203,800
2024	$6,057.00 (-2.21%)	$101,465 (-) Land $30,135 Building $71,330
2023	$6,194.00 (+33.64%)	$101,465 (+49.06%) Land $30,135 Building $71,330	$289,900 (+49.06%) Land $86,100 Building $203,800
2022	$4,635.00 Homeowner's exemption	$68,072 Land $18,078 Building $49,994
2020			$194,490 Land $51,650 Building $142,840

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

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

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

Wildfire Risk	Not rated no burnable land within 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 528 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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