4451 Valence Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4451 Valence Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,528 sqft · built 1977
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Mar 2020)
Tax Bill	$3,717 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`540-0012-0473-00`

Property Details

APN / Parcel Number

Primary APN	`540-0012-0473-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
Gross Area	1,996 sqft
1st Floor Area	988 sqft
2nd Floor Area	540 sqft
Basement Area	468 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	137 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Detached Frame Porch
Porch Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4451 VALENCE DR
City	CINCINNATI
State	OH
Zip	45238-5826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	VALENCE DR 54 X 137.02 IRR LOT 33 RIVER GROVE SUB BLK B
Legal Subdivision	RIVER GROVE SUB
Legal Block	B
Legal Lot Number	33
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	2
Census Block	2000
Census Tract	21422

Owner

Source: Hamilton County assessment roll, as of January 21, 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 File
Mailing Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Aug 18, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 20, 2020	Warranty Deed, Transfer · FHA Mortgage VAN DYK MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Apr 3, 2007 · Amount on Record
Deed Document Number	202027482
Deed Book / Page	14129 / 1769
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 8, 2026
Property Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Document Number	0000035826
Book / Page	15662 / 1314
Instrument Date	Mar 26, 2026
Instrument	202635826
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826

Mortgage

Document Number	0000035826,
Date	May 8, 2026
Book Page	15662/1314
Instrument	202635826

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Apr 1, 2066

Interest

Rate	5.98%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826

Mortgage

Document Number	0000058228
Date	Aug 18, 2023
Book Page	14982/242
Instrument	2023-0058228

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Mar 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826

Mortgage

Document Number	0000045473
Date	May 6, 2022
Book Page	14662/189
Instrument	2022-0045473

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Mar 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826

Mortgage

Document Number	0000119560
Date	Oct 4, 2021
Book Page	14515/989
Instrument	2021-0119560

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Mar 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 20, 2020
Property Address	4451 VALENCE DR, CINCINNATI, OH 45238-5826
Document Number	0000027482
Book / Page	014129 / 001769
Instrument Date	Feb 28, 2020
Instrument	27482
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4451 VALENCE DR CINCINNATI OH 452385826, CINCINNATI, OH 45238-5826

Mortgage

Document Number	27483
Date	Mar 20, 2020
Book Page	014129/001772
Instrument	27483

Lender

Name	VAN DYK MTG
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Delhi Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,717.00 (+2.31%)	$62,399 (+%) Land $7,158 Building $55,241	$178,280 (-) Land $20,450 Building $157,830
2024	$3,633.00 (-0.19%)	$62,397 (-) Land $7,157 Building $55,240
2023	$3,640.00 (+16.55%)	$62,397 (+31.09%) Land $7,157 Building $55,240	$178,280 (+31.09%) Land $20,450 Building $157,830
2022	$3,123.00 Homeowner's exemption	$47,600 Land $6,986 Building $40,614
2020			$136,000 Land $19,960 Building $116,040

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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 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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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