426 McCreary Ct, Cincinnati, OH 45231 Property Records

Hamilton County property record for 426 McCreary Ct, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,596 sqft · built 1961
Lot Size	2.41 acres (105,241 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Aug 2018)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`590-0090-0093-00`

Property Details

APN / Parcel Number

Primary APN	`590-0090-0093-00`
Alternative APN	`0010578`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,596 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	2,596 sqft
Basement Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	105,241 sqft (2.41 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	295 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	426 MCCREARY CT
City	CINCINNATI
State	OH
Zip	45231-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MC CREARY CT 20 FT IRR LOT 9 WINDCREST ACS SUB SEC 4
Legal Subdivision	WINDCREST ACS SUB
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4003
Census Tract	22601

Owner

Source: Hamilton County records, as of January 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 5, 2025	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Mar 31, 2022	Transfer on Death Deed, Transfer
Aug 15, 2018	Survivorship Deed, Transfer · ARM UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Prior Sale	Aug 5, 2004 · Amount on Record
Deed Document Number	201872019
Deed Book / Page	13732 / 1903
Last Transfer Date	Mar 24, 2022
Transfer Doc	0000033257
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089161
Date	Jul 22, 2021
Book Page	14464/161
Instrument	2021-0089161

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021

Mortgage

Document Number	0000041929
Date	Jun 5, 2025
Book Page	15431/2121
Instrument	2025-0041929

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004996
Date	Jan 18, 2019
Book Page	13837/00413
Instrument	2019-0004996

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2034

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115257
Date	Dec 30, 2019
Book Page	14073/01319
Instrument	2019-0115257

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

March 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 31, 2022
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Document Number	0000033257
Book / Page	14636 / 257
Map Reference	MB 92 PG 18&19
Instrument Date	Mar 29, 2022
Instrument	2022-0033257
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021

August 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 15, 2018
Property Address	426 MCCREARY CT, CINCINNATI, OH 45231-4021
Document Number	0000072019
Book / Page	13732 / 01903
Map Reference	MB 92 PG 18&19
Instrument Date	Aug 13, 2018
Instrument	2018-0072019
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ACS TITLE & CLOSING SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$711.00
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	426 MCCREARY CT, CINCINNATI, OH 45231-4021

Mortgage

Document Number	0000072020
Date	Aug 15, 2018
Instrument	2018-0072020

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Sep 1, 2019
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Springfield Township
Unified School District	Winton Woods City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,078.00 (+1.87%) Homeowner's exemption	$114,643 (-) Land $44,835 Building $69,808	$327,550 (-) Land $128,100 Building $199,450
2024	$6,948.00 (+3.78%) Homeowner's exemption	$114,643 (-) Land $44,835 Building $69,808
2023	$6,695.00 (+6.44%) Homeowner's exemption	$114,643 (+38.21%) Land $44,835 Building $69,808	$327,550 (+38.21%) Land $128,100 Building $199,450
2022	$6,290.00 Homeowner's exemption	$82,951 Land $42,326 Building $40,625
2020			$237,000 Land $120,930 Building $116,070

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 Policies	1 in force
Nearby Flood Claims	4 (2003–2014)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2014 · river or lake flooding

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	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	WYOMING CITY PWS serves 9,700 people · EPA ID OH3102212
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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