Hamilton County property record for 418 McDowell St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,824 sqft · built 2014 |
| Lot Size | 0.067 acres (2,940 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,416 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0005-0123-00 |
| Primary APN | 028-0005-0123-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 912 sqft |
| 2nd Floor Area | 912 sqft |
| Upper Floors Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 380 sqft |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 2,940 sqft (0.067 acres) |
| Lot Dimensions | 117 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 76 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 418 MCDOWELL ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MC DOWELL ST 0.0675 AC 25 X 117 BLK E HINMANS COTTAGE HILL SUB LOT 56 |
| Legal Subdivision | HINMANS COTTAGE HILL SUB |
| Legal Block | E |
| Legal Lot Number | 56 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 4703 |
Source: Hamilton County records · APN 028-0005-0123-00
Assessment roll updated March 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 418 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Oct 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2023 |
| Deed Sale | Mar 28, 2023 |
| Prior Sale | Oct 16, 2019 · Amount on Record |
| Deed Document Number | 2022-0055827 |
| Deed Book / Page | 14682 / 2460 |
| Prior Transfer Date | Jun 06, 2022 |
| Prior Transfer Doc | 2022-0055827 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 06, 2022 |
| Property Address | 418 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000055827 |
| Book / Page | 14682 / 2460 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Apr 04, 2022 |
| Instrument | 2022-0055827 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,094.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Document Number | 0000055828 |
|---|---|
| Date | Jun 06, 2022 |
| Instrument | 2022-0055828 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 16, 2019 |
| Property Address | 418 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000090426 |
| Book / Page | 14024 / 03094 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 2019-0090426 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,280.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 418 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000090427 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 2019-0090427 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Nov 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,416.00 (+3.13%) | $244,300 (-) Land $43,183 Building $201,117 | |
| 2024 | $6,221.00 (-2.2%) | $244,300 (-) Land $43,183 Building $201,117 | |
| 2023 | $6,361.00 (+57.14%) | $244,300 (+22.46%) Land $43,183 Building $201,117 | $698,000 (+22.46%) Land $123,380 Building $574,620 |
| 2022 | $4,048.00 Homeowner's exemption | $199,501 Land $17,581 Building $181,920 | |
| 2020 | $570,000 Land $50,230 Building $519,770 |
Source: FEMA National Flood Hazard Layer as of December 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 478 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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