4120 Chambers St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4120 Chambers St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,852 sqft · built 1888
Lot Size	0.053 acres (2,309 sqft)
Owner	Individual Name on Record
Last Sale	$156,000 (Sep 2026)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`221-0019-0126-00`

Property Details

APN / Parcel Number

Primary APN	`221-0019-0126-00`
Alternative APN	`0089684`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,852 sqft Living Area
Gross Area	2,515 sqft
1st Floor Area	871 sqft
2nd Floor Area	663 sqft
Attic	Attic
Attic Area	318 sqft
Basement Area	663 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Conventional
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	2,309 sqft (0.053 acres)
Lot Dimensions	100 ft deep x 125 ft wide

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4120 CHAMBERS ST
City	CINCINNATI
State	OH
Zip	45223-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	4120 CHAMBERS ST 25 X 100 LOT 1 J C LUDLOW EST SUB
Legal Subdivision	LUDLOW EST SUB
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1015
Census Tract	7400

Owner

Source: Hamilton County records, as of October 22, 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	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Quit Claim Deed, Transfer AMERICAN HOMELAND TITLE
Oct 4, 2021	Survivorship Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY
Aug 5, 2019	Warranty Deed, Transfer · Line of Credit RAMONA BOWDEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	202679065
Deed Book / Page	15757 / 2089
Prior Transfer Date	Oct 2, 2025
Prior Transfer Doc	0000079065
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 24, 2026
Property Address	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155
Document Number	0000079065
Book / Page	15757 / 2089
Instrument Date	Oct 2, 2025
Instrument	202679065
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Tax	$31,512.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155

October 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 4, 2021
Property Address	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155
Document Number	0000119776
Book / Page	14515 / 2459
Map Reference	CASE 3361
Instrument Date	Sep 17, 2021
Instrument	2021-0119776
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$936.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155

Mortgage

Document Number	0000119777
Date	Oct 4, 2021
Instrument	2021-0119777

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 5, 2019
Property Address	4120 CHAMBERS ST, CINCINNATI, OH 45223-2155
Document Number	0000064013
Book / Page	013973 / 002013
Instrument Date	Aug 2, 2019
Instrument	64013
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7723 TYLERS PLACE BLVD #293 WEST CHESTER OH 450694684, 293, WEST CHESTER, OH 45069-4684

Mortgage

Document Number	64014
Date	Aug 5, 2019
Book Page	013973/002015
Instrument	64014

Lender

Name	RAMONA BOWDEN
Address	8704 VALLEY VIEW DR SE, HUNTSVILLE, AL 35802-3512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 4, 2024

Interest

Rate Type	Adjustable Rate

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	$2,500.00 (-0.32%)	$109,200 (-) Land $20,706 Building $88,494	$312,000 (-) Land $59,160 Building $252,840
2024	$2,508.00 (-1.99%)	$109,200 (-) Land $20,706 Building $88,494
2023	$2,559.00 (+12.34%)	$109,200 (-) Land $20,706 Building $88,494	$312,000 (-) Land $59,160 Building $252,840
2022	$2,278.00 Homeowner's exemption	$109,200 Land $10,703 Building $98,497
2020			$312,000 Land $30,580 Building $281,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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	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 418 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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