4228 Florida Ave, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4228 Florida Ave, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,214 sqft · built 1908
Lot Size	0.076 acres (3,311 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Aug 2017)
Tax Bill	$7,536 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`195-0030-0048-00`

Property Details

APN / Parcel Number

Primary APN	`195-0030-0048-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,214 sqft Living Area
1st Floor Area	1,054 sqft
2nd Floor Area	784 sqft
Attic	Attic
Attic Area	376 sqft
Basement Area	1,054 sqft

Exterior

Year Built	Built 1908
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	3,311 sqft (0.076 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Porch	Porch
Porch Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4228 FLORIDA AVE
City	CINCINNATI
State	OH
Zip	45223-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4228 FLORIDA AVE 33 X 100 LOT 65 J K BANNING 2ND
Legal Subdivision	BANNAN
Legal Lot Number	65
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3002
Census Tract	27700

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	4228 FLORIDA AVE, CINCINNATI, OH 45223-2025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK
Aug 23, 2017	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Prior Sale	Nov 19, 1997 · Amount on Record
Deed Document Number	17-0076881
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4228 FLORIDA AVE, CINCINNATI, OH 45223-2025
Document Number	0000081663
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4228 FLORIDA AVE CINCINNATI OH 452232025, CINCINNATI, OH 45223-2025

Mortgage

Document Number	0000081663
Date	Aug 17, 2020
Book Page	014233/001591
Instrument	81663

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 23, 2017
Property Address	4228 FLORIDA AVE, CINCINNATI, OH 45223-2025
Document Number	0000006881
Map Reference	MB 16 PG 49
Instrument Date	Aug 11, 2017
Instrument	17-0076881
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$714.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4228 FLORIDA AVE, CINCINNATI, OH 45223-2025

Mortgage

Document Number	0000006884
Date	Aug 23, 2017
Instrument	17-0076884

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$7,536.00 (+3.13%)	$122,497 (-) Land $13,143 Building $109,354
2024	$7,307.00 (-2.21%)	$122,497 (-) Land $13,143 Building $109,354
2023	$7,472.00 (+31.85%)	$122,497 (+47.06%) Land $13,143 Building $109,354	$349,990 (+47.05%) Land $37,550 Building $312,440
2022	$5,667.00 Homeowner's exemption	$83,300 Land $6,804 Building $76,496
2020			$238,000 Land $19,440 Building $218,560

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

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 557 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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