Hamilton County property record for 420 McDowell St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,166 sqft · built 2014 |
| Lot Size | 0.068 acres (2,953 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $710,000 (Feb 2024) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0005-0124-00 |
| Primary APN | 028-0005-0124-00 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,166 sqft Living Area |
| Gross Area | 2,774 sqft |
| 1st Floor Area | 893 sqft |
| 2nd Floor Area | 893 sqft |
| Basement Area | 893 sqft |
| Finished Basement | 380 sqft |
| Unfinished Basement | 513 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 2,953 sqft (0.068 acres) |
| Lot Dimensions | 118 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 95 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 420 MCDOWELL ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MC DOWELL ST 0.0678 AC 25 X 118 LOT 55COTTAGE HILL SUB |
| Legal Subdivision | COTTAGE HILL SUB |
| Legal Lot Number | 55 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 26, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 31, 2021 | Transfer on Death Deed, Transfer |
| Nov 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK |
| Nov 2, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2024 · Amount on Record |
| Deed Sale | Feb 26, 2024 · Amount on Record |
| Prior Sale | Aug 2, 2023 · Amount on Record |
| Deed Document Number | 202412266 |
| Deed Book / Page | 15110 / 544 |
| Prior Transfer Date | Aug 24, 2021 |
| Prior Transfer Doc | 0000105349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 26, 2024 |
| Property Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000012266 |
| Book / Page | 15110 / 544 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 2024-0012266 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2024 |
| Title Company | CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000012267 |
|---|---|
| Date | Feb 26, 2024 |
| Instrument | 2024-0012267 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Number | 0000012267 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | 15110/547 |
| Instrument | 2024-0012267 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 2, 2023 |
| Property Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000053904 |
| Book / Page | 14970 / 1981 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023-0053904 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0000053905 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 2023-0053905 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 31, 2021 |
| Property Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000105349 |
| Book / Page | 14492 / 2630 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 2021-0105349 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 2, 2017 |
| Property Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000000695 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 17-0100695 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,689.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000000696 |
|---|---|
| Date | Nov 2, 2017 |
| Instrument | 17-0100696 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 2, 2017 |
| Property Address | 420 MCDOWELL ST, CINCINNATI, OH 45226-1109 |
| Document Number | 0000100694 |
| Book / Page | 013537 / 001218 |
| Instrument Date | Sep 7, 2017 |
| Instrument | 100694 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 MCDOWELL ST CINCINNATI OH 452261109, CINCINNATI, OH 45226-1109 |
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 | $2,660.00 (+3.1%) | $169,579 (-) Land $43,183 Building $126,396 | $484,510 (-) Land $123,380 Building $361,130 |
| 2024 | $2,580.00 (-2.2%) | $169,579 (-) Land $43,183 Building $126,396 | |
| 2023 | $2,638.00 (-32.05%) | $169,579 (-13.94%) Land $43,183 Building $126,396 | $484,510 (-13.94%) Land $123,380 Building $361,130 |
| 2022 | $3,882.00 Homeowner's exemption | $197,051 Land $17,581 Building $179,470 | |
| 2020 | $563,000 Land $50,230 Building $512,770 |
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 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.
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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