4280 Grotto Ct, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4280 Grotto Ct, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,548 sqft · built 1958
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (May 2024)
Tax Bill	$3,184 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0439-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0439-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	2,166 sqft
1st Floor Area	918 sqft
Attic	Attic
Attic Area	330 sqft
Basement Area	918 sqft
Finished Basement	300 sqft
Unfinished Basement	618 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4280 GROTTO CT
City	CINCINNATI
State	OH
Zip	45211-5341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTTO CT 50 X 128.47 IRRLOT 20 CHESLEY HGTS SUB BLK E
Legal Subdivision	CHESLEY HGTS SUB
Legal Block	E
Legal Lot Number	20
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	3
Census Block	3004
Census Tract	20901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4280 GROTTO CT, CINCINNATI, OH 45211-5341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST FIN'L BK&TR
Apr 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CINCINNATI FED'L
Jul 20, 2018	Grant Deed, Transfer SOJOURNERS TITLE AGENCY
Jun 6, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	202435573
Deed Book / Page	15175 / 2523
Prior Transfer Date	Jan 22, 2007
Prior Transfer Doc	0000000667
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4280 GROTTO CT, CINCINNATI, OH 45211-5341
Document Number	0000119883
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4280 GROTTO CT CINCINNATI OH 452115341, CINCINNATI, OH 45211-5341

Mortgage

Document Number	0000119883
Date	Nov 13, 2020
Book Page	014295/002031
Instrument	119883

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 12, 2040

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 25, 2019
Property Address	4280 GROTTO CT, CINCINNATI, OH 45211-5341
Document Number	0000031169
Book / Page	013904 / 000102
Instrument Date	Apr 12, 2019
Instrument	31169
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$512.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4280 GROTTO CT CHEVIOT OH 452115341, CHEVIOT, OH 45211-5341

Mortgage

Document Number	31170
Date	Apr 25, 2019
Book Page	013904/000104
Instrument	31170

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 20, 2018
Property Address	4280 GROTTO CT, CINCINNATI, OH 45211-5341
Document Number	0000062786
Book / Page	013714 / 001429
Instrument Date	Jun 19, 2018
Instrument	62786
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	113 GLENN PL #200 LEXINGTON KY 405053518, 200, LEXINGTON, KY 40505-3518
Investor	Possibly a Property Investor

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 6, 2018
Property Address	4280 GROTTO CT, CINCINNATI, OH 45211-5341
Document Number	0000048015
Book / Page	013683 / 000626
Instrument Date	Apr 3, 2018
Instrument	48015
Transaction Type	Foreclosure
Record Updated	Sep 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$264.28
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cheviot City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,184.00 (+2.94%)	$51,108 (+%) Land $7,977 Building $43,131	$146,020 (-) Land $22,790 Building $123,230
2024	$3,093.00 (-2.06%)	$51,106 (-) Land $7,976 Building $43,130
2023	$3,158.00 (-1.25%)	$51,106 (+14.07%) Land $7,976 Building $43,130	$146,020 (+14.08%) Land $22,790 Building $123,230
2022	$3,198.00 Homeowner's exemption	$44,801 Land $7,543 Building $37,258
2020			$128,000 Land $21,550 Building $106,450

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

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 579 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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