4232 Fergus St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4232 Fergus St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 1886
Lot Size	0.035 acres (1,525 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Oct 2015)
Tax Bill	$1,102 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`221-0020-0017-00`

Property Details

APN / Parcel Number

Primary APN	`221-0020-0017-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
1st Floor Area	704 sqft
2nd Floor Area	512 sqft
Basement Area	704 sqft

Exterior

Year Built	Built 1886
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	1,525 sqft (0.035 acres)
Lot Dimensions	60 ft deep x 25.2 ft wide
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4232 FERGUS ST
City	CINCINNATI
State	OH
Zip	45223-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4232 FERGUS ST 25.23 X 60 IRR PT LOT 68 J C LUDLOWS ESTSUB
Legal Subdivision	J C LUDLOWS ESTATE SUB
Legal Lot Number	68
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1003
Census Tract	7400

Owner

Source: Hamilton County assessment roll, as of March 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4232 FERGUS ST, CINCINNATI, OH 45223-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 23, 2015 · Amount on Record
Deed Sale	Oct 23, 2015 · Amount on Record
Prior Sale	May 22, 2013 · Amount on Record
Deed Document Number	15-114276
Deed Book / Page	13025 / 00351
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4232 FERGUS ST, CINCINNATI, OH 45223-2104
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4232 FERGUS ST, CINCINNATI, OH 45223-2104

Mortgage

Document Number	0000030471
Date	Mar 23, 2022
Book Page	14630/1997
Instrument	2022-0030471

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4232 FERGUS ST, CINCINNATI, OH 45223-2104
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144613
Date	Dec 2, 2021
Book Page	14555/220
Instrument	2021-0144613

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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	$1,102.00 (+3.09%)	$78,488 (-) Land $16,156 Building $62,332
2024	$1,069.00 (-2.2%)	$78,488 (-) Land $16,156 Building $62,332
2023	$1,093.00 (+59.1%)	$78,488 (+10.92%) Land $16,156 Building $62,332	$224,250 (+10.92%) Land $46,160 Building $178,090
2022	$687.00 Homeowner's exemption	$70,764 Land $8,355 Building $62,409
2020			$202,180 Land $23,870 Building $178,310

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 · 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 Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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

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)
Cincinnati Bell 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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