4501 Spencer Ave, Cincinnati, OH 45236 Property Records

Hamilton County property record for 4501 Spencer Ave, Cincinnati, OH 45236

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 744 sqft · built 1921
Lot Size	0.111 acres (4,835 sqft)
Owner	2 Individual Names on File
Last Sale	$169,900 (Nov 2023)
Tax Bill	$3,105 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`600-0202-0050-00`

Property Details

APN / Parcel Number

Primary APN	`600-0202-0050-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	744 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	744 sqft
Basement Area	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,835 sqft (0.111 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4501 SPENCER AVE
City	CINCINNATI
State	OH
Zip	45236-1955
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	SPENCER AVE 50 X 100 PT LOT 207 ROSSMOYNE SUB
Legal Subdivision	ROSSMOYNE SUB
Legal Lot Number	207
Jurisdiction	HAMILTON OH
Township / Civil Division	SYCAMORE
Census Block Group	2
Census Block	2023
Census Tract	24001

Owner

4501 Spencer Ave is owned and occupied by two individuals who bought it in November 2023.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Date	Document
Nov 6, 2023	Survivorship Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Dec 2, 2022	Warranty Deed, Transfer
Jul 13, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Oct 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2023 · Amount on File
Deed Sale	Nov 6, 2023 · Amount on File
Prior Sale	Dec 2, 2022 · Amount on File
Deed Document Number	202378812
Deed Book / Page	15037 / 1920
Prior Transfer Date	Aug 15, 2020
Prior Transfer Doc	0000103540
Record Updated	Sep 20, 2026

November 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 6, 2023
Property Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955
Document Number	0000078812
Book / Page	15037 / 1920
Map Reference	MB 9 PG 19
Instrument Date	Oct 31, 2023
Instrument	2023-0078812
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955

Mortgage

Document Number	0000078813
Date	Nov 6, 2023
Instrument	2023-0078813

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 2, 2022
Property Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955
Document Number	0000110091
Book / Page	14805 / 152
Map Reference	MB 9 PG 19
Instrument Date	Nov 16, 2022
Instrument	2022-0110091
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 946, LEBANON, OH 45036-0946

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 13, 2021
Property Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955
Document Number	0000084678
Book / Page	14457 / 866
Map Reference	MB 9 PG 19
Instrument Date	Jun 30, 2021
Instrument	2021-0084678
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955

Mortgage

Document Number	0000084680
Date	Jul 13, 2021
Book Page	14457/872
Instrument	2021-0084680

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 7, 2020
Property Address	4501 SPENCER AVE, CINCINNATI, OH 45236-1955
Document Number	0000103540
Book / Page	014269 / 000810
Instrument Date	Aug 15, 2020
Instrument	103540
Transaction Type	Transfer
Record Updated	Feb 26, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1718 KINGS CT KINGS MILLS OH 450347500, KINGS MILLS, OH 45034-7500

Tax Assessment & Valuation

The 2025 property tax bill for 4501 Spencer Ave was $3,105, up 14.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Sycamore Township
Unified School District	Deer Park Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,105.00 (+14.83%)	$49,001 (+%) Land $11,337 Building $37,664	$140,000 Land $32,390 Building $107,610
2024	$2,704.00 (-1.85%)	$48,999 (-) Land $11,336 Building $37,663
2023	$2,755.00 (+42.16%)	$48,999 (+86.81%) Land $11,336 Building $37,663	$140,000 Land $32,390 Building $107,610
2022	$1,938.00 Homeowner's exemption	$26,229 Land $7,854 Building $18,375
2020			$74,940 Land $22,440 Building $52,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4501 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 4501 Spencer Ave is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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 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 585 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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