45 Phillips Ave, Cincinnati, OH 45217 Property Records

Hamilton County property record for 45 Phillips Ave, Cincinnati, OH 45217

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,514 sqft · built 1976
Lot Size	0.119 acres (5,184 sqft)
Owner	Individual Name on File
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`582-0007-0173-00`

Property Details

APN / Parcel Number

Primary APN	`582-0007-0173-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Basement Area	1,304 sqft

Exterior

Year Built	Built 1976
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	45 PHILLIPS AVE
City	CINCINNATI
State	OH
Zip	45217-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHILLIPS AVE 45 X 112 IRRPT LOT 34 PHILLIPS & BAKER
Legal Subdivision	PHILLIP & BAKER
Legal Lot Number	34
Jurisdiction	HAMILTON OH
Township / Civil Division	ST. BERNARD
Census Block Group	1
Census Block	1001
Census Tract	25800

Owner

Source: Hamilton County assessment roll, as of March 1, 2025

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	45 PHILLIPS AVE, CINCINNATI, OH 45217-1231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit ALLY BANK
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Mar 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Prior Sale	Feb 27, 2001
Last Transfer Date	Mar 11, 2020
Transfer Doc	0000024201
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	45 PHILLIPS AVE, CINCINNATI, OH 45217-1231
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084583
Date	Sep 1, 2022
Book Page	14743/1813
Instrument	2022-0084583

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	339 Months
Due	Dec 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	45 PHILLIPS AVE, CINCINNATI, OH 45217-1231
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023126
Date	Feb 24, 2021
Book Page	14361/229
Instrument	2021-0023126

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 11, 2020
Property Address	45 PHILLIPS AVE, CINCINNATI, OH 45217-1231
Document Number	0000024201
Book / Page	014122 / 001337
Instrument Date	Mar 4, 2020
Instrument	24201
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PHILLIPS AVE CINCINNATI OH 452171231, CINCINNATI, OH 45217-1231

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	St. Bernard Village
Unified School District	St. Bernard-Elmwood Place City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,782.00 (+4.36%)	$61,544 (-) Land $10,598 Building $50,946
2024	$3,624.00 (-4.15%)	$61,544 (-) Land $10,598 Building $50,946
2023	$3,781.00 (+16.52%)	$61,544 (+50.06%) Land $10,598 Building $50,946	$175,840 (+50.06%) Land $30,280 Building $145,560
2022	$3,245.00 Homeowner's exemption	$41,013 Land $8,267 Building $32,746
2020			$117,180 Land $23,620 Building $93,560

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

Flood

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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 411 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

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