423 Milton St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 423 Milton St, Cincinnati, OH 45202

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,164 sqft · built 1880
Lot Size	0.043 acres (1,851 sqft)
Owner	Trust Name on File
Last Sale	$154,000 (Jun 2009)
Tax Bill	$9,638 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`086-0002-0469-00`

Property Details

APN / Parcel Number

Primary APN	`086-0002-0469-00`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,787 sqft
1st Floor Area	681 sqft
2nd Floor Area	1,283 sqft
Basement Area	525 sqft
Finished Basement	200 sqft
Unfinished Basement	325 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	1,851 sqft (0.043 acres)
Garage Type	Attached
Garage Area	298 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	423 MILTON ST
City	CINCINNATI
State	OH
Zip	45202-0927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILTON ST 0.0425 ACS13 T3 FR2
Legal Subdivision	JOSEPH S WILSONS HEIRS SUBDIVISION
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1004
Census Tract	1800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Over-the-Rhine Historic District listed 1983 · 945 contributing resources · NRIS 83001985

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

423 Milton St is held in a trust since June 2019.

Source: Hamilton County records, as of June 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Fiduciary Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit EAGLE BANK
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Apr 21, 2020	Deed of Trust, Mortgage · Conventional with PMI EAGLE SVGS BK
Jun 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2009 · Amount on File
Deed Sale	Jun 24, 2009 · Amount on File
Prior Sale	Sep 24, 2008 · Amount on File
Deed Document Number	200985463
Deed Book / Page	11173 / 712
Last Transfer Date	Jun 5, 2019
Transfer Doc	0000045133
Record Updated	Sep 20, 2026

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 23, 2026
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Document Number	0000050448
Book / Page	15692 / 2610
Instrument Date	Jun 12, 2026
Instrument	202650448
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145,753.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 MILTON ST, CINCINNATI, OH 45202-0927

Mortgage

Document Number	0000050449,
Date	Jun 23, 2026
Instrument	202650449

Lender

Name	SIBCY CLINE MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 MILTON ST, CINCINNATI, OH 45202-0927

Mortgage

Document Number	0000022151
Date	Mar 25, 2026
Book Page	15630/1289
Instrument	2026-0022151

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Feb 20, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014046
Date	Mar 1, 2023
Book Page	14863/612
Instrument	2023-0014046

Lender

Name	EAGLE BANK
Type	Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	PROMINENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008345
Date	Mar 31, 2017
Instrument	17-0028345

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Document Number	0000040505
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	423 MILTON ST CINCINNATI OH 452020927, CINCINNATI, OH 45202-0927

Mortgage

Document Number	0000040505
Date	May 1, 2020
Book Page	014159/002084
Instrument	40505

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 10, 2019
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Document Number	0000045134
Book / Page	013935 / 002109
Instrument Date	Jun 5, 2019
Instrument	45134
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	423 MILTON ST CINCINNATI OH 452020927, CINCINNATI, OH 45202-0927

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 10, 2019
Property Address	423 MILTON ST, CINCINNATI, OH 45202-0927
Document Number	0000045133
Book / Page	013935 / 002105
Instrument Date	Jun 5, 2019
Instrument	45133
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 MILTON ST CINCINNATI OH 452020927, CINCINNATI, OH 45202-0927

Tax Assessment & Valuation

The 2025 property tax bill for 423 Milton St was $9,638, up 0.1% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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	$9,638.00 (+0.15%)	$243,433 (+%) Land $66,434 Building $176,999	$695,520 Land $189,810 Building $505,710
2024	$9,624.00 (+2.24%)	$243,432 (+1.5%) Land $66,433 Building $176,999
2023	$9,413.00 (+16.79%)	$239,826 (+20.21%) Land $66,433 Building $173,393	$695,520 Land $189,810 Building $505,710
2022	$8,060.00	$199,500 Land $37,877 Building $161,623
2020			$570,000 Land $108,220 Building $461,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 423 Milton St in Zone X, an area of minimal flood risk.

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

The area around 423 Milton St has no burnable land within ember reach, so its wildfire risk is not rated.

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 767 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	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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