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4454 Spencer Ave, Cincinnati, OH 45236 Property Records

Hamilton County property record for 4454 Spencer Ave, Cincinnati, OH 45236

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 2,005 sqft · built 1960
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on File
Tax Bill$4,926 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jan 2017 Transfer
Flood ZoneZone X (minimal risk)
APN600-0202-0130-00

Property Details

APN / Parcel Number

Primary APN600-0202-0130-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area2,005 sqft Living Area
Gross Area2,150 sqft
1st Floor Area1,075 sqft
Basement Area1,075 sqft
Finished Basement930 sqft
Unfinished Basement145 sqft

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeBrick
Roof MaterialFiberglass
Lot Area16,553 sqft (0.38 acres)
Lot Dimensions166 ft deep x 100 ft wide
Garage TypeDetached
Garage Area1,080 sqft
Parking Spaces4 Parking Spaces
Deck AreaDeck Area
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address4454 SPENCER AVE
CityCINCINNATI
StateOH
Zip45236-1954
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeC
Legal DescriptionSPENCER AVE 100 X 166 LOT 219 ROSSMOYNE SUB
Legal SubdivisionROSSMOYNE SUB
Legal Lot Number219
JurisdictionHAMILTON OH
Township / Civil DivisionSYCAMORE
Census Block Group2
Census Block2020
Census Tract24001

Owner

4454 Spencer Ave is owned and occupied by two individuals who acquired it in February 2026.

Source: Hamilton County records, as of July 1, 2026

Owner of Record2 Individual Names on File
Mailing Address4454 SPENCER AVE, CINCINNATI, OH 45236-1954
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

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

DateDocument
Feb 26, 2026Intrafamily Transfer, Transfer · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE INC
Jan 11, 2017Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateFeb 10, 2026
Transfer Doc0000014254
Record UpdatedSep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHAMILTON OH
Recording DateFeb 26, 2026
Property Address4454 SPENCER AVE, CINCINNATI, OH 45236-1954
Document Number0000014254
Book / Page15611 / 720
Map ReferenceMB 9 PG 19
Instrument DateFeb 10, 2026
Instrument2026-0014254
Transaction TypeTransfer
Record UpdatedMar 23, 2026
Title CompanyFIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGCY INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4454 SPENCER AVE, CINCINNATI, OH 45236-1954

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4454 SPENCER AVE, CINCINNATI, OH 45236-1954

Mortgage

Document Number0000014255
DateFeb 26, 2026
Instrument2026-0014255
Lender
NameMUTUAL OF OMAHA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056

January 2017: Affidavit of Death, Transfer

Document TypeAffidavit of Death
JurisdictionHAMILTON OH
Recording DateJan 11, 2017
Property Address4454 SPENCER AVE, CINCINNATI, OH 45236-1954
Document Number0000003326
Book / Page013331 / 002020
Instrument DateJan 11, 2017
Instrument3326
Transaction TypeTransfer
Record UpdatedJul 7, 2017

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2317 MONROE AVE NORWOOD OH 452123319, NORWOOD, OH 45212-3319

Tax Assessment & Valuation

The 2025 property tax bill for 4454 Spencer Ave was $4,926 with a homeowner's exemption, up 14.5% from the year before.

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
County SubdivisionSycamore Township
Unified School DistrictDeer Park Community City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,926.00 (+14.48%) Homeowner's exemption$88,726 (+%) Land $21,774 Building $66,952$253,500 Land $62,210 Building $191,290
2024$4,303.00 (-12.65%) Homeowner's exemption$88,724 (-) Land $21,773 Building $66,951
2023$4,926.00 (+0.1%)$88,724 (+32.62%) Land $21,773 Building $66,951$253,500 Land $62,210 Building $191,290
2022$4,921.00 Homeowner's exemption$66,900 Land $15,082 Building $51,818
2020$191,140 Land $43,090 Building $148,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4454 Spencer Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

The area around 4454 Spencer Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 585 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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