427 Chestnut St, Cincinnati, OH 45203 Property Records

Hamilton County property record for 427 Chestnut St, Cincinnati, OH 45203

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 2,432 sqft · built 1880
Lot Size	0.046 acres (2,004 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Oct 2023)
Tax Bill	$5,704 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`134-0005-0304-00`

Property Details

APN / Parcel Number

Primary APN	`134-0005-0304-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,432 sqft Finished Area
1st Floor Area	896 sqft
2nd Floor Area	1,536 sqft
Basement Area	896 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	2,004 sqft (0.046 acres)
Lot Dimensions	100 ft deep x 20 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	427 CHESTNUT ST
City	CINCINNATI
State	OH
Zip	45203-1418
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CHESTNUT ST20 X 100 SQ 17 LONGWORTHS SQS
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3020
Census Tract	26400

Historic Designation

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

Historic District	Within the Betts-Longworth Historic District listed 1983 · 136 contributing resources · NRIS 83004304

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

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
Mailing Address	425 CHESTNUT ST, CINCINNATI, OH 45203-1418
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Oct 30, 2023	Warranty Deed, Transfer · Conventional Mortgage VALLEY CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Jul 26, 2010 · Amount on Record
Deed Document Number	0000076807
Deed Book / Page	15032 / 1423
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	427 CHESTNUT ST, CINCINNATI, OH 45203-1418
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 CHESTNUT ST, CINCINNATI, OH 45203-1418

Mortgage

Document Number	0000026452
Date	Apr 14, 2025
Book Page	15394/299
Instrument	2025-0026452

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2040

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 30, 2023
Property Address	427 CHESTNUT ST, CINCINNATI, OH 45203-1418
Document Number	0000076807
Book / Page	15032 / 1423
Instrument Date	Oct 19, 2023
Instrument	2023-0076807
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CHESTNUT ST, CINCINNATI, OH 45203-1418

Mortgage

Document Number	0000076808
Date	Oct 30, 2023
Instrument	2023-0076808

Lender

Name	VALLEY CENTRAL BANK
Type	Bank

Agreement

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

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	$5,704.00 (+0.62%)	$152,537 (+66.31%) Land $5,540 Building $146,997
2024	$5,669.00 (-3.03%)	$91,718 (-) Land $5,541 Building $86,177
2023	$5,846.00 (+57.53%)	$91,718 (+75.79%) Land $5,541 Building $86,177	$435,820 (+192.36%) Land $15,830 Building $419,990
2022	$3,711.00	$52,175 Land $8,855 Building $43,320
2020			$149,070 Land $25,300 Building $123,770

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

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

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 332 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

May also be available: AT&T, T-Mobile, Verizon.

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