4235 Chambers St, Cincinnati, OH 45223 Property Records

Hamilton County property record for 4235 Chambers St, Cincinnati, OH 45223

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,641 sqft · built 1894
Lot Size	0.071 acres (3,136 sqft)
Owner	Individual Name on Record
Last Sale	$209,900 (Sep 2019)
Tax Bill	$6,557 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`221-0020-0076-00`

Property Details

APN / Parcel Number

Primary APN	`221-0020-0076-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,641 sqft Living Area
1st Floor Area	832 sqft
2nd Floor Area	595 sqft
Attic	Attic
Attic Area	214 sqft
Basement Area	790 sqft

Exterior

Year Built	Built 1894
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	3,136 sqft (0.071 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Porch	Porch
Porch Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4235 CHAMBERS ST
City	CINCINNATI
State	OH
Zip	45223-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4235 CHAMBERS ST 25 X 125 PT LOT 56 J C LUDLOWS ESTSUB
Legal Subdivision	J C LUDLOWS ESTATE SUB
Legal Lot Number	56
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1004
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	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Sep 26, 2019	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC
Aug 25, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jul 20, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Aug 25, 2017 · Amount on Record
Deed Document Number	2019-0082851
Deed Book / Page	14010 / 00158
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825
Document Number	0000114829
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4235 CHAMBERS ST CINCINNATI OH 452231825, CINCINNATI, OH 45223-1825

Mortgage

Document Number	0000114829
Date	Nov 2, 2020
Book Page	014287/001099
Instrument	114829

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 26, 2019
Property Address	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825
Document Number	0000082851
Book / Page	14010 / 00158
Instrument Date	Sep 16, 2019
Instrument	2019-0082851
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$839.60
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	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825

Mortgage

Document Number	0000082852
Date	Sep 26, 2019
Instrument	2019-0082852

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 25, 2017
Property Address	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825
Document Number	0000078106
Book / Page	013489 / 002508
Instrument Date	Aug 24, 2017
Instrument	78106
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7351 MAR DEL DR CINCINNATI OH 452431805, CINCINNATI, OH 45243-1805

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 20, 2017
Property Address	4235 CHAMBERS ST, CINCINNATI, OH 45223-1825
Document Number	0000065734
Book / Page	013463 / 001444
Instrument Date	Jul 19, 2017
Instrument	65734
Transaction Type	Transfer
Record Updated	Sep 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$252.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 58731 CINCINNATI OH 452580731, CINCINNATI, OH 45258-0731

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	$6,557.00 (+3.07%)	$104,080 (-) Land $23,205 Building $80,875
2024	$6,362.00 (-2.15%)	$104,080 (-) Land $23,205 Building $80,875
2023	$6,502.00 (+26.23%)	$104,080 (+41.67%) Land $23,205 Building $80,875	$297,370 (+41.67%) Land $66,300 Building $231,070
2022	$5,151.00 Homeowner's exemption	$73,465 Land $12,005 Building $61,460
2020			$209,900 Land $34,300 Building $175,600

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

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 622 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

May also be available: T-Mobile.

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