Hamilton County property record for 431 McDowell St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,954 sqft · built 1900 |
| Lot Size | 0.076 acres (3,311 sqft) |
| Owner | Individual Name on File |
| Last Sale | $172,500 (Jul 2019) |
| Tax Bill | $5,544 (2025) |
| Deeds & Mortgages | Apr 2021 Transfer Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0005-0081-00 |
| Primary APN | 028-0005-0081-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,954 sqft Living Area |
| 1st Floor Area | 804 sqft |
| 2nd Floor Area | 804 sqft |
| Attic | Attic |
| Attic Area | 346 sqft |
| Basement Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,311 sqft (0.076 acres) |
| Porch | Porch |
| Porch Area | 252 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 431 MCDOWELL ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 431 MC DOWELL ST 19.07 FTIRR PTS LOTS 5-6 S E HINMANS COTTAGE HILL SUB |
| Legal Subdivision | HINMANS COTTAGE HILL SUB |
| Legal Lot Number | 5-6 6 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 4703 |
431 McDowell St is owned and occupied by an individual who acquired it in April 2021.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 13, 2021 | Intrafamily Transfer, Transfer |
| Aug 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jul 16, 2019 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on File |
| Deed Sale | Jul 16, 2019 · Amount on File |
| Prior Sale | Jul 16, 2019 · Amount on File |
| Deed Document Number | 0000056912 |
| Deed Book / Page | 13959 / 00082 |
| Last Transfer Date | Apr 13, 2021 |
| Transfer Doc | 0000046187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 13, 2021 |
| Property Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Number | 0000046187 |
| Book / Page | 14395 / 2371 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Apr 2, 2021 |
| Instrument | 2021-0046187 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Number | 0000079614 |
| Instrument Date | Aug 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 431 MCDOWELL ST CINCINNATI OH 452261108, CINCINNATI, OH 45226-1108 |
| Document Number | 0000079614 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 014229/001956 |
| Instrument | 79614 |
| Name | NEWREZ LLC |
|---|---|
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 16, 2019 |
| Property Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Number | 0000056912 |
| Book / Page | 13959 / 00082 |
| Map Reference | MB 4 PG 28&29 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 2019-0056912 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 MCDOWELL ST, CINCINNATI, OH 45226-1108 |
| Document Number | 0000056913 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 2019-0056913 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 431 McDowell St was $5,544, up 3.1% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,544.00 (+3.13%) | $151,918 (-) Land $50,306 Building $101,612 | |
| 2024 | $5,376.00 (-2.22%) | $151,918 (-) Land $50,306 Building $101,612 | |
| 2023 | $5,498.00 (+33.45%) | $151,918 (+151.62%) Land $50,306 Building $101,612 | $434,050 Land $143,730 Building $290,320 |
| 2022 | $4,120.00 Homeowner's exemption | $60,375 Land $20,475 Building $39,900 | |
| 2020 | $172,500 Land $58,500 Building $114,000 |
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.
FEMA maps place 431 McDowell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 431 McDowell St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 478 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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