Hamilton County property record for 432 Stanley Ave, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,784 sqft · built 2005 |
| Lot Size | 0.098 acres (4,261 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Mar 2024) |
| Tax Bill | $13,188 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0006-0116-00 |
| Primary APN | 028-0006-0116-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Living Area |
| Gross Area | 3,606 sqft |
| 1st Floor Area | 1,244 sqft |
| 2nd Floor Area | 1,144 sqft |
| Basement Area | 1,218 sqft |
| Finished Basement | 396 sqft |
| Unfinished Basement | 822 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 4,261 sqft (0.098 acres) |
| Lot Dimensions | 133 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 35 sqft |
| Patio Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 432 STANLEY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF2 |
| Legal Description | STANLEY AVE 25 X 133.50 IRRLOT 2 COTTAGE HILL SUB BL G |
| Legal Subdivision | COTTAGE HILL SUB |
| Legal Block | G |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4703 |
432 Stanley Ave is owned by an individual who bought it in March 2024.
Source: Hamilton County records, as of January 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420 |
| 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 |
|---|---|
| Mar 27, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| May 30, 2017 | Warranty Deed, Transfer · ARM CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2024 · Amount on File |
| Deed Sale | Mar 27, 2024 · Amount on File |
| Prior Sale | May 30, 2017 · Amount on File |
| Deed Document Number | 202419724 |
| Deed Book / Page | 15132 / 38 |
| Prior Transfer Date | Jun 1, 2009 |
| Prior Transfer Doc | 0000000008 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 27, 2024 |
| Property Address | 432 STANLEY AVE, CINCINNATI, OH 45226-1722 |
| Document Number | 0000019724 |
| Book / Page | 15132 / 38 |
| Map Reference | MB 4 PG 28 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2024-0019724 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420 |
| Mail Care Of | GUARANTEED RATE INC |
| Document Number | 0000019725 |
|---|---|
| Date | Mar 27, 2024 |
| Instrument | 2024-0019725 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Number | 0000019725 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 15132/40 |
| Instrument | 2024-0019725 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 432 STANLEY AVE, CINCINNATI, OH 45226-1722 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | THIRD TITLE AGENCY INC, TRIAD TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000027259 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 14366/3445 |
| Instrument | 2021-0027259 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 30, 2017 |
| Property Address | 432 STANLEY AVE, CINCINNATI, OH 45226-1722 |
| Document Number | 0000007894 |
| Map Reference | MB 4 PG 28 |
| Instrument Date | May 17, 2017 |
| Instrument | 17-0047894 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 STANLEY AVE, CINCINNATI, OH 45226-1722 |
| Document Number | 0000007895 |
|---|---|
| Date | May 30, 2017 |
| Instrument | 17-0047895 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
The 2025 property tax bill for 432 Stanley Ave was $13,188, up 3.1% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| 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 | $13,188.00 (+3.14%) | $214,509 (+%) Land $59,000 Building $155,509 | $612,880 Land $168,570 Building $444,310 |
| 2024 | $12,787.00 (-2.21%) | $214,507 (-) Land $58,999 Building $155,508 | |
| 2023 | $13,076.00 (-9.85%) | $214,507 (+0.49%) Land $58,999 Building $155,508 | $612,880 Land $168,570 Building $444,310 |
| 2022 | $14,505.00 Homeowner's exemption | $213,465 Land $31,521 Building $181,944 | |
| 2020 | $609,900 Land $90,060 Building $519,840 |
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 432 Stanley Ave 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 432 Stanley Ave 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 96% of the US · lower than 81% 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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