4170 Chambers St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4170 Chambers St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,703 sqft · built 2018
Lot Size	0.064 acres (2,831 sqft)
Owner	Individual Name on Record
Last Sale	$556,000 (Mar 2025)
Tax Bill	$1,462 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`221-0019-0268-00`

Property Details

APN / Parcel Number

Primary APN	`221-0019-0268-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,703 sqft Living Area
1st Floor Area	1,273 sqft
2nd Floor Area	1,430 sqft
Basement Area	803 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	2,831 sqft (0.064 acres)
Lot Dimensions	90 ft deep x 33 ft wide
Garage Type	Attached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4170 CHAMBERS ST
City	CINCINNATI
State	OH
Zip	45223-2172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4170 CHAMBERS ST 33 X 90 ES CHAMBERS 200 FT S OF
Legal Subdivision	J C LUDLOWS ESTATE
Legal Lot Number	34
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1009
Census Tract	7400

Owner

Source: Hamilton County records, as of February 9, 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
Co-owner	Co-owner on Record
Mailing Address	4170 CHAMBERS ST, CINCINNATI, OH 45223-2172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jun 2, 2017	Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2025 · Amount on Record
Deed Sale	Mar 24, 2025 · Amount on Record
Prior Sale	Jan 6, 2014 · Amount on Record
Deed Document Number	0000020137
Deed Book / Page	15379 / 1108
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4170 CHAMBERS ST, CINCINNATI, OH 45223-2172
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073116
Date	Jun 15, 2021
Book Page	14439/1618
Instrument	2021-0073116

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4170 CHAMBERS ST, CINCINNATI, OH 45223-2172
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	PROMINENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049313
Date	Jun 2, 2017
Instrument	17-0049313

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2018
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	7.99%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

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	$1,462.00 (+0.14%)	$143,710 (-) Land $22,960 Building $120,750
2024	$1,460.00 (-0.21%)	$143,710 (-) Land $22,960 Building $120,750
2023	$1,463.00 (+72.93%)	$143,710 (-6.75%) Land $22,960 Building $120,750	$410,600 (-6.75%) Land $65,600 Building $345,000
2022	$846.00	$154,105 Land $11,886 Building $142,219
2020			$440,300 Land $33,960 Building $406,340

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 minimal risk
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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