4120 Bell St, Cincinnati, OH 45212 Property Records

Hamilton County property record for 4120 Bell St, Cincinnati, OH 45212

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,128 sqft · built 1929
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on File
Last Sale	$163,500 (Aug 2017)
Tax Bill	$3,894 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`651-0051-0200-00`

Property Details

APN / Parcel Number

Primary APN	`651-0051-0200-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	1,064 sqft
2nd Floor Area	1,064 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4120 BELL ST
City	CINCINNATI
State	OH
Zip	45212-2804
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	4120 BELL ST 50 X 150 LOT 13 HOPKINS 3RD SUB
Legal Subdivision	HOPKINS 3RD SUB
Legal Lot Number	13
Jurisdiction	HAMILTON OH
Township / Civil Division	NORWOOD
Census Block Group	4
Census Block	4003
Census Tract	25600

Owner

4120 Bell St, a residential property, is owned by two individuals who acquired it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10450 DEERTRAIL DR, HARRISON, OH 45030-1619
Owner Type	Individual
Vesting	Right of Survivorship

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 23, 2020	Quit Claim Deed, Transfer FIRST FIN'L BK&TR
Aug 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 18, 2017	Warranty Deed, Transfer · Commercial Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2017 · Amount on File
Deed Sale	Aug 18, 2017 · Amount on File
Prior Sale	Aug 16, 2006
Deed Document Number	201775353
Last Transfer Date	Sep 11, 2020
Transfer Doc	0000097303
Record Updated	Jun 8, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 23, 2020
Property Address	4120 BELL ST, CINCINNATI, OH 45212-2804
Document Number	0000097303
Book / Page	014259 / 000354
Instrument Date	Sep 11, 2020
Instrument	97303
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4120 BELL ST CINCINNATI OH 452122804, CINCINNATI, OH 45212-2804

Mortgage

Document Number	97304
Date	Sep 23, 2020
Book Page	014259/000356
Instrument	97304

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45246

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 18, 2017
Property Address	4120 BELL ST, CINCINNATI, OH 45212-2804
Document Number	0000075355
Book / Page	013484 / 000216
Instrument Date	Aug 11, 2017
Instrument	75355
Transaction Type	Transfer
Record Updated	Sep 20, 2017
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
Relationship	Joint Tenants with Right of Survivorship
Address	4120 BELL ST CINCINNATI OH 452122804, CINCINNATI, OH 45212-2804

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 18, 2017
Property Address	4120 BELL ST, CINCINNATI, OH 45212-2804
Document Number	0000005353
Map Reference	MB 4 PG 204 & 205
Instrument Date	Aug 7, 2017
Instrument	17-0075353
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	$490.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 BELL ST, CINCINNATI, OH 45212-2804

Mortgage

Document Number	0000005354
Date	Aug 18, 2017
Instrument	17-0075354

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4120 Bell St was $3,894, down 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Norwood City
Unified School District	Norwood City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,894.00 (-0.05%)	$73,150 (-) Land $12,187 Building $60,963	$209,000 Land $34,820 Building $174,180
2024	$3,896.00 (-0.54%)	$73,150 (-) Land $12,187 Building $60,963
2023	$3,917.00 (+7.73%)	$73,150 (+27.83%) Land $12,187 Building $60,963	$209,000 Land $34,820 Building $174,180
2022	$3,636.00	$57,225 Land $8,183 Building $49,042
2020			$163,500 Land $23,380 Building $140,120

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 4120 Bell 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

The area around 4120 Bell St has no burnable land within ember reach, so its wildfire risk is not rated.

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	NORWOOD CITY PWS serves 19,870 people · EPA ID OH3101703
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Jun 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 389 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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