1. Home
  2. Ohio
  3. Hamilton County
  4. Cincinnati
  5. Happy Dr

440 Happy Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 440 Happy Dr, Cincinnati, OH 45238

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,268 sqft · built 1968
Lot Size0.262 acres (11,413 sqft)
Owner2 Individual Names on Record
Last Sale$215,000 (Dec 2019)
Tax Bill$5,973 (2025)
Deeds & MortgagesNov 2022 Second Mortgage
Apr 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN540-0071-0441-00

Property Details

APN / Parcel Number

Primary APN540-0071-0441-00

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,268 sqft Living Area
1st Floor Area1,134 sqft
2nd Floor Area1,134 sqft
Basement Area1,134 sqft
Finished Basement1,034 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeMasonry / Concrete Block
Lot Area11,413 sqft (0.262 acres)
Lot Dimensions181 ft deep x 107 ft wide
Garage TypeAttached
Garage Area550 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area135 sqft
Patio Area552 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address440 HAPPY DR
CityCINCINNATI
StateOH
Zip45238-5220
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAPPY DR 107.686 X 181.04IRR LOT 57 DEBONAIRE ACRES SUB BLK C PT 1
Legal SubdivisionDEBONAIRE ACRES SUB
Legal BlockC
Legal Lot Number57
JurisdictionHAMILTON OH
Township / Civil DivisionDELHI
Census Block Group2
Census Block2002
Census Tract21304

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address440 HAPPY DR, CINCINNATI, OH 45238-5220
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
FIFTH THIRD BANK NA
Apr 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Dec 26, 2019Warranty Deed, Transfer · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleDec 26, 2019 · Amount on Record
Deed SaleDec 26, 2019 · Amount on Record
Prior SaleMar 1, 2017
Deed Document Number0000114296
Deed Book / Page14071 / 00700
Record UpdatedJun 8, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address440 HAPPY DR, CINCINNATI, OH 45238-5220
Transaction TypeMortgage
Record UpdatedApr 10, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 HAPPY DR, CINCINNATI, OH 45238-5220
InvestorPossibly a Property Investor

Mortgage

Document Number0000108371
DateNov 23, 2022
Book Page14800/1273
Instrument2022-0108371
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term360 Months
DueNov 25, 2052

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address440 HAPPY DR, CINCINNATI, OH 45238-5220
Transaction TypeMortgage
Record UpdatedApr 10, 2026
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000046041
DateApr 13, 2021
Book Page14395/1857
Instrument2021-0046041
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateDec 26, 2019
Property Address440 HAPPY DR, CINCINNATI, OH 45238-5220
Document Number0000114296
Book / Page14071 / 00700
Map ReferenceMB 140 PG 43&44
Instrument DateDec 12, 2019
Instrument2019-0114296
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyAGILITY CLOSING & TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$860.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address440 HAPPY DR, CINCINNATI, OH 45238-5220
InvestorPossibly a Property Investor

Mortgage

Document Number0000114297
DateDec 26, 2019
Instrument2019-0114297
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
County SubdivisionDelhi Township
Unified School DistrictOak Hills Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,973.00 (+2.37%)$100,450 (-) Land $13,660 Building $86,790
2024$5,835.00 (-16.76%)$100,450 (-16.64%) Land $13,660 Building $86,790
2023$7,010.00 (+42.31%)$120,504 (+60.14%) Land $13,660 Building $106,844$287,000 (+33.49%) Land $39,030 Building $247,970
2022$4,926.00 Homeowner's exemption$75,251 Land $12,611 Building $62,640
2020$215,000 Land $36,030 Building $178,970

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2013)
Claims Outside the SFHA1 of 2
Most Recent ClaimJul 2013 · 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.

Wildfire

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

Wildfire RiskLow
lower than 98% of the US · lower than 90% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 311 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on Happy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures