Hamilton County property record for 416 McDowell St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 1880 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | Individual Name on File |
| Last Sale | $277,000 (Oct 2021) |
| Tax Bill | $5,967 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Jul 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0005-0122-00 |
| Primary APN | 028-0005-0122-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Living Area |
| 1st Floor Area | 780 sqft |
| 2nd Floor Area | 740 sqft |
| Attic | Attic |
| Attic Area | 704 sqft |
| Basement Area | 744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 3,964 sqft (0.091 acres) |
| Lot Dimensions | 117 ft deep x 33 ft wide |
| Porch | Porch |
| Porch Area | 315 sqft |
| Patio Area | 30 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 416 MCDOWELL ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 416 MC DOWELL ST 33 X 117LOTS 57 PT 58 S E HINMANSCOTTAGE HILL SUB BLK E |
| Legal Subdivision | HINMANS COTTAGE HILL SUB |
| Legal Block | E |
| Legal Lot Number | 57 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 4703 |
416 McDowell St is owned and occupied by an individual who bought it in October 2021.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 5, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on File |
| Deed Sale | Oct 19, 2021 · Amount on File |
| Prior Sale | Jun 11, 2001 · Amount on File |
| Deed Document Number | 0000126888 |
| Deed Book / Page | 14526 / 3160 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 19, 2021 |
| Property Address | 416 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000126888 |
| Book / Page | 14526 / 3160 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021-0126888 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $831.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000126889 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021-0126889 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 416 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000060126 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 17-0060126 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 416 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000098618 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2019 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 416 MCDOWELL ST CINCINNATI OH 452261109, CINCINNATI, OH 45226-1109 |
| Document Number | 0000098618 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 014041/001382 |
| Instrument | 98618 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Nov 7, 2046 |
The 2025 property tax bill for 416 McDowell St was $5,967, up 3.1% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $5,967.00 (+3.15%) | $96,950 (-) Land $57,001 Building $39,949 | |
| 2024 | $5,785.00 (-2.21%) | $96,950 (-) Land $57,001 Building $39,949 | |
| 2023 | $5,916.00 (+9.8%) | $96,950 (+22.41%) Land $57,001 Building $39,949 | $277,000 Land $162,860 Building $114,140 |
| 2022 | $5,388.00 Homeowner's exemption | $79,199 Land $23,202 Building $55,997 | |
| 2020 | $226,280 Land $66,290 Building $159,990 |
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.
FEMA maps place 416 McDowell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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.
Wildfire risk around 416 McDowell St is low, with less than a 0.01% annual chance of wildfire.
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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