Hamilton County property record for 4431 Tower Ave, Cincinnati, OH 45217
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1928 |
| Lot Size | 0.064 acres (2,831 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $163,000 (Mar 2021) |
| Tax Bill | $3,506 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Sep 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 582-0012-0047-00 |
| Primary APN | 582-0012-0047-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 608 sqft |
| 2nd Floor Area | 648 sqft |
| Basement Area | 752 sqft |
| Year Built | Built 1928 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,831 sqft (0.064 acres) |
| Lot Dimensions | 110 ft deep x 26 ft wide |
| Porch | Porch |
| Porch Area | 184 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4431 TOWER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45217-1748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4431 TOWER AVE 26.49 X 110 IRR |
| Legal Subdivision | SCHROEDERS ADD |
| Legal Lot Number | 9 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ST. BERNARD |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 25800 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4431 TOWER AVE, CINCINNATI, OH 45217-1748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2021 | Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 14, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 8, 2017 | Warranty Deed, Transfer · FHA Mortgage EQUITY RSRCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2021 · Amount on Record |
| Deed Sale | Mar 15, 2021 · Amount on Record |
| Prior Sale | Sep 14, 2020 · Amount on Record |
| Deed Document Number | 0000032726 |
| Deed Book / Page | 14374 / 3658 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 15, 2021 |
| Property Address | 4431 TOWER AVE, CINCINNATI, OH 45217-1748 |
| Document Number | 0000032726 |
| Book / Page | 14374 / 3658 |
| Instrument Date | Mar 9, 2021 |
| Instrument | 2021-0032726 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $489.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4431 TOWER AVE, SAINT BERNARD, OH 45217-1748 |
| Document Number | 0000032727 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021-0032727 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 14, 2020 |
| Property Address | 4431 TOWER AVE, CINCINNATI, OH 45217-1748 |
| Document Number | 0000092739 |
| Book / Page | 014252 / 001190 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 92739 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $340.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2794 CRYODON BLVD W COLUMBUS OH 432325324, COLUMBUS, OH 43232-5324 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 8, 2017 |
| Property Address | 4431 TOWER AVE, CINCINNATI, OH 45217-1748 |
| Document Number | 0000051224 |
| Book / Page | 013434 / 001150 |
| Instrument Date | May 26, 2017 |
| Instrument | 51224 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4431 TOWER AVE CINCINNATI OH 452171748, CINCINNATI, OH 45217-1748 |
| Document Number | 51225 |
|---|---|
| Date | Jun 8, 2017 |
| Book Page | 013434/001152 |
| Instrument | 51225 |
| Name | EQUITY RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | NEWARK, OH 43055 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2047 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | St. Bernard Village |
| Unified School District | St. Bernard-Elmwood Place City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,506.00 (+4.38%) | $57,050 (+%) Land $6,590 Building $50,460 | |
| 2024 | $3,359.00 (-4.17%) | $57,049 (-) Land $6,590 Building $50,459 | |
| 2023 | $3,505.00 (+46.16%) | $57,049 (+88.26%) Land $6,590 Building $50,459 | $163,000 (+88.27%) Land $18,830 Building $144,170 |
| 2022 | $2,398.00 Homeowner's exemption | $30,303 Land $5,145 Building $25,158 | |
| 2020 | $86,580 Land $14,700 Building $71,880 |
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.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 808 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 |
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