Clermont County property record for 438 Hilltop Dr, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1955 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,373 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-41-21.-004 |
| Primary APN | 41-41-21.-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,038 sqft |
| Basement Area | 312 sqft |
| Unfinished Basement | 312 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 19,994 sqft (0.459 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 208 sqft |
| Deck Area | 575 sqft |
| Patio Area | 575 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 438 HILLTOP DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-4206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORGAN; LOT 4 |
| Legal Subdivision | MORGAN SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 41403 |
Source: Clermont County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Mar 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Feb 8, 2018 | Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2018 |
| Deed Sale | Feb 8, 2018 |
| Prior Sale | Dec 3, 2003 · Amount on Record |
| Deed Document Number | 20182866 |
| Prior Transfer Date | Dec 22, 2010 |
| Prior Transfer Doc | 0000033316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2024 |
| Name | Verified Name |
|---|---|
| Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Document Number | 0000004495 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 2963/2440 |
| Instrument | 202400004495 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | 999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Document Number | 0000007644 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 2914/3266 |
| Instrument | 202200007644 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Feb 8, 2018 |
| Property Address | 438 HILLTOP DR, CINCINNATI, OH 45244-4206 |
| Document Number | 0000002866 |
| Book / Page | 002753 / 002004 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 2866 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2018 |
| Title Company | SOJOURNERS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 HILLTOP DR CINCINNATI OH 452444206, CINCINNATI, OH 45244-4206 |
| Document Number | 2867 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 002753/002006 |
| Instrument | 2867 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2048 |
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,373.00 (-49.4%) | $67,030 (-) Land $14,810 Building $52,220 | |
| 2024 | $191,500 (-) Land $42,300 Building $149,200 | ||
| 2023 | $6,666.00 (+125.58%) Homeowner's exemption | $67,030 (+32.16%) Land $14,810 Building $52,220 | $191,500 (+32.16%) Land $42,300 Building $149,200 |
| 2022 | $2,955.00 Homeowner's exemption | $50,720 Land $11,200 Building $39,520 | |
| 2020 | $144,900 Land $32,000 Building $112,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · 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 Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
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 | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 167 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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