Hamilton County property record for 431 Happy Dr, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 1971 |
| Lot Size | 0.262 acres (11,456 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,900 (Feb 2022) |
| Tax Bill | $4,160 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Feb 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 540-0071-0465-00 |
| Primary APN | 540-0071-0465-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| 1st Floor Area | 1,426 sqft |
| Basement Area | 1,426 sqft |
| Finished Basement | 926 sqft |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 11,456 sqft (0.262 acres) |
| Lot Dimensions | 140 ft deep x 82 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 84 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 431 HAPPY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-5219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAPPY DR 82 X 140 LOT 102 DEBONAIRE ACRES SUB BLK C PT 1 |
| Legal Subdivision | DEBONAIRE ACRES SUB |
| Legal Block | C |
| Legal Lot Number | 102 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | DELHI |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21304 |
Source: Hamilton County records · APN 540-0071-0465-00
Assessment roll updated March 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Feb 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jun 29, 2021 | Intrafamily Transfer, Transfer |
| Oct 04, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 02, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 22, 2022 · Amount on Record |
| Deed Sale | Feb 22, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2021 |
| Deed Document Number | 0000019398 |
| Deed Book / Page | 14609 / 2922 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000098594 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 14481/1824 |
| Instrument | 2021-0098594 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 22, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 22, 2022 |
| Property Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000019398 |
| Book / Page | 14609 / 2922 |
| Map Reference | MB 140 PG 43&44 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 2022-0019398 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $599.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000019399 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 2022-0019399 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 29, 2021 |
| Property Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000078916 |
| Book / Page | 14448 / 2367 |
| Map Reference | MB 140 PG 43&44 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021-0078916 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 04, 2017 |
| Property Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000001068 |
| Map Reference | PL 140 PG 43 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 17-0091068 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000001069 |
|---|---|
| Date | Oct 04, 2017 |
| Instrument | 17-0091069 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2047 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 02, 2017 |
| Property Address | 431 HAPPY DR, CINCINNATI, OH 45238-5219 |
| Document Number | 0000018817 |
| Book / Page | 013365 / 000479 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 18817 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 HAPPY DR CINCINNATI OH 452385219, CINCINNATI, OH 45238-5219 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Delhi Township |
| Unified School District | Oak Hills Local School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,160.00 (+2.51%) | $69,965 (+%) Land $12,030 Building $57,935 | |
| 2024 | $4,058.00 (-0.32%) | $69,964 (-) Land $12,029 Building $57,935 | |
| 2023 | $4,071.00 (+45.6%) | $69,964 (+67.98%) Land $12,029 Building $57,935 | $199,900 (+67.98%) Land $34,370 Building $165,530 |
| 2022 | $2,796.00 Homeowner's exemption | $41,651 Land $11,113 Building $30,538 | |
| 2020 | $119,000 Land $31,750 Building $87,250 |
Source: FEMA National Flood Hazard Layer as of December 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2013 · rainfall accumulation |
| Wildfire Risk | Low lower than 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 311 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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