Hamilton County property record for 413 McDowell St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,472 sqft · built 1888 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $385,000 (Aug 2025) |
| Tax Bill | $5,542 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0005-0068-00 |
| Primary APN | 028-0005-0068-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 736 sqft |
| 2nd Floor Area | 736 sqft |
| Basement Area | 736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Width | 25 ft Width |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 180 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 413 MCDOWELL ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMX |
| Legal Description | 413 MCDOWELL ST 25 FT IR LOT 15 SE HINMANS COTTAGEHILL SUB BLK D |
| Legal Subdivision | HINMANS COTTAGEHILL SUB |
| Legal Block | D |
| Legal Lot Number | 15 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 4703 |
Source: Hamilton County records, as of January 21, 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 | 413 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2025 · Amount on Record |
| Deed Sale | Aug 18, 2025 · Amount on Record |
| Prior Sale | Apr 14, 2004 · Amount on Record |
| Deed Document Number | 202562349 |
| Deed Book / Page | 15481 / 736 |
| Prior Transfer Date | Sep 27, 2001 |
| Prior Transfer Doc | 0087530666 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 413 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000121049 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 14517/1816 |
| Instrument | 2021-0121049 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 413 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Number | 0000029481 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 MCDOWELL ST CINCINNATI OH 452261108, CINCINNATI, OH 45226-1108 |
| Document Number | 0000029481 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 014134/001159 |
| Instrument | 29481 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 26, 2040 |
Source: Hamilton County assessment roll, as of January 21, 2026
| 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 | $5,542.00 (+3.13%) | $90,094 (-) Land $48,521 Building $41,573 | $257,410 (-) Land $138,630 Building $118,780 |
| 2024 | $5,374.00 (-2.2%) | $90,094 (-) Land $48,521 Building $41,573 | |
| 2023 | $5,495.00 (+11.01%) | $90,094 (+23.79%) Land $48,521 Building $41,573 | $257,410 (+23.79%) Land $138,630 Building $118,780 |
| 2022 | $4,950.00 Homeowner's exemption | $72,780 Land $19,751 Building $53,029 | |
| 2020 | $207,940 Land $56,430 Building $151,510 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
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 478 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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