432 Heathgate Rd, Cincinnati, OH 45255 Property Records

Hamilton County property record for 432 Heathgate Rd, Cincinnati, OH 45255

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 5,318 sqft · built 1986
Lot Size	1.99 acres (86,902 sqft)
Owner	2 Individual Names on File
Last Sale	$1,660 (Sep 2017)
Tax Bill	$27,395 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`500-0251-0006-00`

Property Details

APN / Parcel Number

Primary APN	`500-0251-0006-00`
Alternative APN	`0040189`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,318 sqft Living Area
Gross Area	7,186 sqft
1st Floor Area	2,326 sqft
2nd Floor Area	1,696 sqft
Basement Area	2,326 sqft
Finished Basement	1,296 sqft
Unfinished Basement	1,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	86,902 sqft (1.99 acres)
Lot Width	20 ft Width
Garage Type	Attached
Garage Area	838 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	461 sqft
Deck Area	Deck Area
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	432 HEATHGATE RD
City	CINCINNATI
State	OH
Zip	45255-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHGATE RD 20 X FT IRR LOT 6 BRISTOL MANORS SUB
Legal Subdivision	BRISTOL MANORS SUB
Legal Lot Number	6
Jurisdiction	HAMILTON OH
Township / Civil Division	ANDERSON
Census Block Group	2
Census Block	2014
Census Tract	27500

Owner

432 Heathgate Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 11, 2022	Transfer on Death Deed, Transfer
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENERAL ELECTRIC CU
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit EAGLE SVGS BK
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAGLE SVGS BK
Sep 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage EAGLE SVGS BK
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage EAGLE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on File
Deed Sale	Sep 5, 2017 · Amount on File
Prior Sale	May 17, 2013 · Amount on File
Deed Document Number	201780579
Prior Transfer Date	Aug 21, 2007
Prior Transfer Doc	0000125302
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Sep 17, 2026
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000076886
Book / Page	15752 / 903
Instrument Date	Sep 11, 2026
Instrument	202676886
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959

Mortgage

Document Number	0000076886,
Date	Sep 17, 2026
Book Page	15752/903
Instrument	202676886

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

July 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 11, 2022
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000067917
Book / Page	14705 / 4076
Map Reference	MB 214 PG 95&96
Instrument Date	Jul 8, 2022
Instrument	2022-0067917
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046339
Date	Apr 14, 2021
Book Page	14396/281
Instrument	2021-0046339

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2036
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	4.37%
Index	1-Year CMT
Max Rate	7.87%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000099877
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 HEATHGATE RD CINCINNATI OH 452553959, CINCINNATI, OH 45255-3959

Mortgage

Document Number	0000099877
Date	Sep 29, 2020
Book Page	014263/000116
Instrument	99877

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 28, 2045

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000099876
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 HEATHGATE RD CINCINNATI OH 452553959, CINCINNATI, OH 45255-3959

Mortgage

Document Number	0000099876
Date	Sep 29, 2020
Book Page	014263/000111
Instrument	99876

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000082825
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 HEATHGATE RD CINCINNATI OH 452553959, CINCINNATI, OH 45255-3959

Mortgage

Document Number	0000082825
Date	Sep 18, 2018
Book Page	013755/000671
Instrument	82825

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 17, 2028

Interest

Rate Type	Adjustable Rate
Rate	5.87%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 5, 2017
Property Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959
Document Number	0000000579
Map Reference	MB 214 PG 95
Instrument Date	Aug 29, 2017
Instrument	17-0080579
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Tax	$1,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	432 HEATHGATE RD, CINCINNATI, OH 45255-3959

Mortgage

Document Number	0000000581
Date	Sep 5, 2017
Instrument	17-0080581

Lender

Name	EAGLE SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 432 Heathgate Rd was $27,395, up 2.7% from the year before.

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

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	$27,395.00 (+2.7%)	$437,847 (-) Land $66,150 Building $371,697	$1,250,990 Land $189,000 Building $1,061,990
2024	$26,674.00 (+5.26%)	$437,847 (-) Land $66,150 Building $371,697
2023	$25,340.00 (+22.02%)	$437,847 (+37.1%) Land $66,150 Building $371,697	$1,250,990 Land $189,000 Building $1,061,990
2022	$20,767.00 Homeowner's exemption	$319,358 Land $66,150 Building $253,208
2020			$912,450 Land $189,000 Building $723,450

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

Flood

FEMA maps place 432 Heathgate Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025 · river or lake flooding

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 432 Heathgate Rd 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 95% of the US · lower than 78% 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.

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 53 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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