4145 Chambers St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4145 Chambers St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,732 sqft · built 1865
Lot Size	0.061 acres (2,657 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Feb 2025)
Tax Bill	$1,322 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`221-0019-0091-00`

Property Details

APN / Parcel Number

Primary APN	`221-0019-0091-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,732 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	768 sqft
2nd Floor Area	768 sqft
Attic	Attic
Attic Area	196 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	2,657 sqft (0.061 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4145 CHAMBERS ST
City	CINCINNATI
State	OH
Zip	45223-2151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	4145 CHAMBERS ST 25 X 100LOT 3 J C LUDLOWS EST SUBBLK 30
Legal Subdivision	LUDLOWS EST SUB
Legal Block	30
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1013
Census Tract	7400

Owner

Source: Hamilton County records, as of July 1, 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	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Feb 11, 2025	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Oct 24, 2017	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2025 · Amount on Record
Deed Sale	Feb 11, 2025 · Amount on Record
Prior Sale	Oct 24, 2017 · Amount on Record
Deed Document Number	20259801
Deed Book / Page	15351 / 1880
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151

Mortgage

Document Number	0000097351
Date	Dec 12, 2025
Book Page	15561/1372
Instrument	2025-0097351

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 11, 2025
Property Address	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151
Document Number	0000009801
Book / Page	15351 / 1880
Map Reference	MB 2 PG 122-132
Instrument Date	Feb 5, 2025
Instrument	2025-0009801
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	GRANDE TITLE AGENCY LLC, TANDEM TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151

Mortgage

Document Number	0000009802
Date	Feb 11, 2025
Instrument	2025-0009802

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 24, 2017
Property Address	4145 CHAMBERS ST, CINCINNATI, OH 45223-2151
Document Number	0000097230
Book / Page	013530 / 000182
Instrument Date	Oct 5, 2017
Instrument	97230
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$531.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4145 CHAMBERS ST CINCINNATI OH 452232151, CINCINNATI, OH 45223-2151

Mortgage

Document Number	97231
Date	Oct 24, 2017
Book Page	013530/000185
Instrument	97231

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

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	$1,322.00 (+3.12%)	$78,145 (-) Land $10,353 Building $67,792	$223,270 (-) Land $29,580 Building $193,690
2024	$1,282.00 (-2.21%)	$78,145 (-) Land $10,353 Building $67,792
2023	$1,311.00 (+0.69%)	$78,145 (+26.14%) Land $10,353 Building $67,792	$223,270 (+26.14%) Land $29,580 Building $193,690
2022	$1,302.00 Homeowner's exemption	$61,950 Land $10,703 Building $51,247
2020			$177,000 Land $30,580 Building $146,420

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 · 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.

Nearby Properties on Chambers St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures