Hamilton County property record for 45 Central Ter, Cincinnati, OH 45215
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,950 sqft · built 1923 |
| Lot Size | 0.339 acres (14,767 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Sep 2021) |
| Tax Bill | $7,990 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 592-0004-0052-00 |
| Primary APN | 592-0004-0052-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| 2nd Floor Area | 840 sqft |
| Basement Area | 894 sqft |
| Finished Basement | 200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 14,767 sqft (0.339 acres) |
| Lot Dimensions | 250 ft deep x 59 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 45 CENTRAL TER |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45215-2627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 45 CENTRAL TER 59 X 250 LOT 4 PT 1 CENTRAL TER SUB |
| Legal Subdivision | CENTRAL TERRACE SUB |
| Legal Lot Number | 4 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | WYOMING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 22601 |
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 | 45 CENTRAL TER, CINCINNATI, OH 45215-2627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Sep 23, 2021 | Fiduciary Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on Record |
| Deed Sale | Sep 23, 2021 · Amount on Record |
| Prior Sale | Aug 23, 2017 |
| Deed Document Number | 2021-0114910 |
| Deed Book / Page | 14508 / 131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 45 CENTRAL TER, CINCINNATI, OH 45215-2627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000139138 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 14546/2284 |
| Instrument | 2021-0139138 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 23, 2021 |
| Property Address | 45 CENTRAL TER, CINCINNATI, OH 45215-2627 |
| Document Number | 0000114910 |
| Book / Page | 14508 / 131 |
| Map Reference | MB 25 PG 75 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021-0114910 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 45 CENTRAL TER, CINCINNATI, OH 45215-2627 |
| Document Number | 0000114911 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 14508/133 |
| Instrument | 2021-0114911 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 9% |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Wyoming City |
| Unified School District | Wyoming City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,990.00 (+2.38%) | $131,250 (-) Land $31,738 Building $99,512 | |
| 2024 | $7,804.00 (+8.49%) | $131,250 (-) Land $31,738 Building $99,512 | |
| 2023 | $7,193.00 (+19.23%) | $131,250 (+47.46%) Land $31,738 Building $99,512 | $375,000 (+47.46%) Land $90,680 Building $284,320 |
| 2022 | $6,033.00 Homeowner's exemption | $89,005 Land $21,966 Building $67,039 | |
| 2020 | $254,300 Land $62,760 Building $191,540 |
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 · 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 Policies | 2 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 68% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 331 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures