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4326 28th St, Cincinnati, OH 45209 Property Records

Hamilton County property record for 4326 28th St, Cincinnati, OH 45209

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,300 sqft · built 1916
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$165,000 (Sep 2015)
Tax Bill$6,053 (2025)
Deeds & MortgagesAug 2025 Line of Credit
Aug 2025 Transfer
Flood ZoneZone X (minimal risk)
APN049-0003-0106-00

Property Details

APN / Parcel Number

Primary APN049-0003-0106-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,300 sqft Living Area
Gross Area1,985 sqft
1st Floor Area741 sqft
2nd Floor Area559 sqft
Upper Floors Area559 sqft
Basement Area685 sqft

Exterior

Year BuiltBuilt 1916
Effective Year BuiltEffective 1916
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialAsphalt
Lot Area8,276 sqft (0.19 acres)
Lot Dimensions140 ft deep x 112 ft wide
Garage TypeDetached
Garage Area759 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Frame Porch
Porch Area216 sqft
Deck AreaDeck Area
Patio Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address4326 28TH ST
CityCINCINNATI
StateOH
Zip45209-1606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF4
Legal Description4326 28TH ST 111.52 X 140IRR PT LOTS 555-646 OAKLEY PK PL A PARS 106- 237 CONS
Legal SubdivisionOAKLEY PARK
Legal Lot Number555-6
JurisdictionHAMILTON OH
Township / Civil DivisionCINCINNATI
Census Block Group1
Census Block1006
Census Tract5200

Owner

4326 28th St is owned and occupied by two individuals who acquired it in July 2025.

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

Owner of Record2 Individual Names on File
Mailing Address4326 28TH ST, CINCINNATI, OH 45209-1606
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Aug 28, 2025Deed of Trust, Mortgage · Line of Credit
UNITED WHOLESALE MORTGAGE
Aug 7, 2025Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 3, 2015 · Amount on File
Deed SaleSep 3, 2015 · Amount on File
Prior SaleMar 22, 1999 · Amount on File
Deed Document Number201594502
Deed Book / Page12984 / 297
Last Transfer DateJul 17, 2025
Transfer Doc0000059294
Record UpdatedSep 20, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address4326 28TH ST, CINCINNATI, OH 45209-1606
Transaction TypeMortgage
Record UpdatedJun 30, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000065795
DateAug 28, 2025
Book Page15489/938
Instrument2025-0065795
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeLine of Credit
AmountAmount on Record
Term361 Months
DueSep 1, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHAMILTON OH
Recording DateAug 7, 2025
Property Address4326 28TH ST, CINCINNATI, OH 45209-1606
Document Number0000059294
Book / Page15474 / 770
Map ReferenceMB 17 PG 29
Instrument DateJul 17, 2025
Instrument2025-0059294
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4326 28TH ST, CINCINNATI, OH 45209-1606

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4326 28TH ST, CINCINNATI, OH 45209-1606

Tax Assessment & Valuation

The 2025 property tax bill for 4326 28th St was $6,053, down 2% from the year before.

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
MunicipalityCincinnati City
Unified School DistrictCincinnati City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,053.00 (-1.96%)$97,822 (-) Land $51,405 Building $46,417$279,490 Land $146,870 Building $132,620
2024$6,174.00 (+2.83%)$97,822 (-) Land $51,405 Building $46,417
2023$6,004.00 (+23.39%)$97,822 (+41.16%) Land $51,405 Building $46,417$279,490 Land $146,870 Building $132,620
2022$4,866.00 Homeowner's exemption$69,301 Land $30,804 Building $38,497
2020$198,000 Land $88,010 Building $109,990

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

FEMA maps place 4326 28th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4326 28th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemCINCINNATI PUBLIC WATER SYSTEM
serves 800,000 people · EPA ID OH3102612
Water SourceSurface water
Last State InspectionDec 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 528 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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