432 Walnut St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 432 Walnut St, Cincinnati, OH 45202

Property Summary

Property Type	Multi-Story Office Building
Details	built 1903
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$3,285,000 (May 2016)
Tax Bill	$100,033 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-0001-0297-00`

Property Details

APN / Parcel Number

Primary APN	`083-0001-0297-00`

Exterior

Year Built	Built 1903
Lot Area	6,970 sqft (0.16 acres)
Lot Width	179 ft Width

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	432 WALNUT ST
City	CINCINNATI
State	OH
Zip	45202-3909
Property Category	Commercial
Property Type	Commercial > Office > Multi-Story Office Building
Legal Description	5TH & WALNUT ST 58 X FT IRR 0.160 AC LOTS 16 TH 20 OF HAMILTON CO SUB
Legal Subdivision	HAMILTON CO SUB
Legal Lot Number	16
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3002
Census Tract	26500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	105 REYNOLDS RD, FRANKLIN, TN 37064-2926
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Commercial Mortgage SIMMONS BANK
Dec 31, 2020	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK
Apr 24, 2018	Loan Modification, Mortgage BANK OF NASHVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2016 · Amount on Record
Deed Sale	May 11, 2016 · Amount on Record
Prior Sale	Dec 8, 1999
Deed Document Number	0000041322
Deed Book / Page	013164 / 002057
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 WALNUT ST, CINCINNATI, OH 45202-3909
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090713
Date	Nov 19, 2025
Book Page	15546/1751
Instrument	2025-0090713

Lender

Name	SIMMONS BANK
Type	Bank
Address	NASHVILLE, TN 37203

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	432 WALNUT ST, CINCINNATI, OH 45202-3909
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 REYNOLDS RD, FRANKLIN, TN 37064-2926

Mortgage

Document Number	0000138580
Date	Dec 31, 2020
Book Page	14325/1750
Instrument	2020-0138580

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	432 WALNUT ST, CINCINNATI, OH 45202-3909
Document Number	0000047203
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	432 WALNUT ST CINCINNATI OH 452023909, CINCINNATI, OH 45202-3909

Mortgage

Document Number	0000047203
Date	Jun 4, 2018
Book Page	013681/001480
Instrument	47203

Lender

Name	BANK OF NASHVILLE
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$100,033.00 (+0.45%)	$1,164,093 (-) Land $390,320 Building $773,773
2024	$99,581.00 (+0.25%)	$1,164,093 (-) Land $390,320 Building $773,773
2023	$99,336.00 (-13.57%)	$1,164,093 (-4.48%) Land $390,320 Building $773,773	$3,325,980 (-4.48%) Land $1,115,200 Building $2,210,780
2022	$114,926.00	$1,218,736 Land $413,739 Building $804,997
2020			$3,482,100 Land $1,182,110 Building $2,299,990

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.

Flood

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 220 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon, Xiber.

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