Hamilton County property record for 440 Strafer St, Cincinnati, OH 45226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,128 sqft · built 2011 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Nov 2023) |
| Tax Bill | $4,764 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Nov 2023 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-0006-0261-00 |
| Primary APN | 028-0006-0261-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,128 sqft Living Area |
| Gross Area | 3,668 sqft |
| 1st Floor Area | 1,056 sqft |
| 2nd Floor Area | 1,412 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 660 sqft |
| Unfinished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Width | 26 ft Width |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 440 STRAFER ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45226-1112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF2 |
| Legal Description | SS STRAFER ST 0.060 AC LOT 19 COTTAGE HILL SUB PHASE II |
| Legal Subdivision | COTTAGE HILL SUB PHASE II |
| Legal Lot Number | 19 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 4703 |
440 Strafer St is owned and occupied by two individuals who bought it in November 2023.
Source: Hamilton County records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage RIVER CITY MORTGAGE |
| Nov 1, 2023 | Warranty Deed, Transfer · Line of Credit KEMBA CREDIT UNION INC |
| Sep 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2023 · Amount on File |
| Deed Sale | Nov 1, 2023 · Amount on File |
| Prior Sale | Sep 14, 2020 · Amount on File |
| Deed Document Number | 202377414 |
| Deed Book / Page | 15034 / 572 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 25, 2026 |
| Property Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Document Number | 0000051281 |
| Book / Page | 15694 / 1568 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202651281 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155,035.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Document Number | 0000051282, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 202651282 |
| Name | RIVER CITY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 1, 2023 |
| Property Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Document Number | 0000077414 |
| Book / Page | 15034 / 572 |
| Map Reference | MB 401 PG 30-32 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023-0077414 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | LAWYERS TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Document Number | 0000077415 |
|---|---|
| Date | Nov 1, 2023 |
| Instrument | 2023-0077415 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 14, 2020 |
| Property Address | 440 STRAFER ST, CINCINNATI, OH 45226-1112 |
| Document Number | 0000092613 |
| Book / Page | 014252 / 000485 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 92613 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,712.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 STRAFER ST CINCINNATI OH 452261112, CINCINNATI, OH 45226-1112 |
| Document Number | 92614 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 014252/000487 |
| Instrument | 92614 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 13, 2035 |
The 2025 property tax bill for 440 Strafer St was $4,764, 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 | $4,764.00 (+3.12%) | $237,300 (-) Land $77,420 Building $159,880 | $678,000 Land $221,200 Building $456,800 |
| 2024 | $4,620.00 (-2.2%) | $237,300 (-) Land $77,420 Building $159,880 | |
| 2023 | $4,724.00 (+119.93%) | $237,300 (+13.13%) Land $77,420 Building $159,880 | $678,000 Land $221,200 Building $456,800 |
| 2022 | $2,148.00 Homeowner's exemption | $209,752 Land $31,521 Building $178,231 | |
| 2020 | $599,290 Land $90,060 Building $509,230 |
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 440 Strafer St 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 440 Strafer St 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 98% of the US · lower than 90% 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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