442 Hilltop Dr, Cincinnati, OH 45244 Property Records

Clermont County property record for 442 Hilltop Dr, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1954
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on File
Last Sale	$128,850 (Apr 2018)
Tax Bill	$2,246 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-41-21.-003`

Property Details

APN / Parcel Number

Primary APN	`41-41-21.-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,998 sqft (0.505 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	144 sqft
Patio Area	202 sqft
Lean-To	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	442 HILLTOP DR
City	CINCINNATI
State	OH
Zip	45244-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN; LOT 3
Legal Subdivision	MORGANS SUB
Legal Lot Number	3
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1004
Census Tract	41403

Owner

442 Hilltop Dr is owned and occupied by an individual who bought it in April 2018.

Source: Clermont County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	442 HILLTOP DR, CINCINNATI, OH 45244-4206
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2018 · Amount on File
Deed Sale	Apr 24, 2018 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	20188819
Deed Book / Page	2766 / 110
Record Updated	Oct 29, 2026

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Apr 24, 2018
Property Address	442 HILLTOP DR, CINCINNATI, OH 45244-4206
Document Number	0000008819
Book / Page	2766 / 110
Map Reference	PB E PG 35
Instrument Date	Apr 20, 2018
Instrument	201800008819
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 HILLTOP DR, CINCINNATI, OH 45244-4206

Mortgage

Document Number	0000008820
Date	Apr 24, 2018
Book Page	2766/113
Instrument	201800008820

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 442 Hilltop Dr was $2,246 with a homeowner's exemption.

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,246.00	$44,630 Land $14,810 Building $29,820
2024			$127,500 (-) Land $42,300 Building $85,200
2023	$4,438.00 (+123.92%) Homeowner's exemption	$44,630 (+31.19%) Land $14,810 Building $29,820	$127,500 Land $42,300 Building $85,200
2022	$1,982.00 Homeowner's exemption	$34,020 Land $11,200 Building $22,820
2020			$97,200 Land $32,000 Building $65,200

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 442 Hilltop Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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.

Wildfire

Wildfire risk around 442 Hilltop Dr is low, with 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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