4231 Fergus St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4231 Fergus St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,882 sqft · built 1886
Lot Size	0.057 acres (2,483 sqft)
Owner	Individual Name on Record
Last Sale	$354,800 (Mar 2023)
Tax Bill	$7,645 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`196-0023-0214-00`

Property Details

APN / Parcel Number

Primary APN	`196-0023-0214-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,882 sqft Living Area
1st Floor Area	951 sqft
2nd Floor Area	931 sqft
Basement Area	951 sqft

Exterior

Year Built	Built 1886
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	2,483 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4231 FERGUS ST
City	CINCINNATI
State	OH
Zip	45223-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FERGUS ST 25 X 100 IRR NS FERGUS 352.85 FT N OF CHASE
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2000
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	4231 FERGUS ST, CINCINNATI, OH 45223-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Mar 24, 2023	Warranty Deed, Transfer · Conventional Mortgage TODD R GUTSCHOW ETAL
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit WESBANCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Mar 18, 2014 · Amount on Record
Deed Document Number	2023-0019857
Deed Book / Page	14880 / 63
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4231 FERGUS ST, CINCINNATI, OH 45223-2103
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 FERGUS ST, CINCINNATI, OH 45223-2103

Mortgage

Document Number	0000009360
Date	Feb 7, 2023
Book Page	14848/1220
Instrument	2023-0009360

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 24, 2023
Property Address	4231 FERGUS ST, CINCINNATI, OH 45223-2103
Document Number	0000019857
Book / Page	14880 / 63
Instrument Date	Mar 15, 2023
Instrument	2023-0019857
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354.80
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	4231 FERGUS ST, CINCINNATI, OH 45223-2103

Mortgage

Document Number	0000019858
Date	Mar 24, 2023
Book Page	14880/65
Instrument	2023-0019858

Lender

Name	TODD R GUTSCHOW ETAL
Type	Private Party
Address	361 WOODLAKE CT, KOHLER, WI 53044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4231 FERGUS ST, CINCINNATI, OH 45223-2103
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142450
Date	Nov 29, 2021
Book Page	14552/1223
Instrument	2021-0142450

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4231 FERGUS ST, CINCINNATI, OH 45223-2103
Document Number	0000016257
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4231 FERGUS ST CINCINNATI OH 452232103, CINCINNATI, OH 45223-2103

Mortgage

Document Number	0000016257
Date	Feb 18, 2020
Book Page	014106/002053
Instrument	16257

Lender

Name	WESBANCO BK
Type	Bank
Address	MASON, OH 45040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 17, 2045

Interest

Rate Type	Adjustable Rate

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	$7,645.00 (+194.26%)	$124,180 (-) Land $20,706 Building $103,474
2024	$2,598.00 (-2.18%)	$124,180 (-) Land $20,706 Building $103,474
2023	$2,656.00 (+78.14%)	$124,180 (+103.16%) Land $20,706 Building $103,474	$354,800 (+103.16%) Land $59,160 Building $295,640
2022	$1,491.00 Homeowner's exemption	$61,124 Land $10,703 Building $50,421
2020			$174,640 Land $30,580 Building $144,060

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Policies	1 in force
Nearby Flood Claims	13 (1979–1982)
Most Recent Claim	Mar 1982 · rainfall accumulation

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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