4314 Mount Carmel Rd, Cincinnati, OH 45244 Property Records

Hamilton County property record for 4314 Mount Carmel Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,501 sqft · built 2021
Lot Size	3.19 acres (139,218 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,726 (2025)
Deeds & Mortgages	Oct 2020 Construction Loan Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`500-0090-0058-00`

Property Details

APN / Parcel Number

Primary APN	`500-0090-0058-00`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,501 sqft Living Area
1st Floor Area	2,501 sqft
Basement Area	2,501 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	139,218 sqft (3.19 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4314 MOUNT CARMEL RD
City	CINCINNATI
State	OH
Zip	45244-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT CARMEL RD 3.1955 AC MS 1775
Jurisdiction	HAMILTON OH
Township / Civil Division	ANDERSON
Census Block Group	1
Census Block	1036
Census Tract	24901

Owner

4314 Mount Carmel Rd is owned by two individuals who acquired it in August 2019.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3350 LINWOOD AVE, CINCINNATI, OH 45226-1337
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2019
Deed Sale	Aug 19, 2019
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4314 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111378
Date	Oct 26, 2020
Book Page	14282/191
Instrument	2020-0111378

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.77%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.77%
Index	1-Year LIBOR
Max Rate	8.77%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4314 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMERICAN R TITLE, AMERICAN 360 TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026691
Date	Mar 14, 2022
Book Page	14623/738
Instrument	2022-0026691

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4314 Mount Carmel Rd was $10,726, up 0.9% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Anderson Township
Unified School District	Forest Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,726.00 (+0.89%)	$164,654 (+%) Land $28,514 Building $136,140
2024	$10,631.00 (+7.53%)	$164,653 (-) Land $28,514 Building $136,139
2023	$9,887.00 (+47.02%)	$164,653 (+63.49%) Land $28,514 Building $136,139	$470,440 Land $81,470 Building $388,970
2022	$6,725.00	$100,710 Land $28,011 Building $72,699
2020			$287,740 Land $80,030 Building $207,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4314 Mount Carmel Rd in Zone X, an area of minimal flood risk, though there have been 108 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	108 (1978–2025)
Claims Outside the SFHA	6 of 108
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Storms, Landslides, And Mudslides, Feb 2018 · 12 claims Severe Storms And Flooding, Mar 1997 · 39 claims

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

Wildfire risk around 4314 Mount Carmel Rd is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 64 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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