Hamilton County property record for 4505 Lucerne Ave, Cincinnati, OH 45227
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,153 sqft · built 1916 |
| Lot Size | 0.148 acres (6,490 sqft) |
| Owner | 2 Owner Names on Record |
| Tax Bill | $4,475 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-0005-0042-00 |
| Primary APN | 036-0005-0042-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,153 sqft Living Area |
| 1st Floor Area | 999 sqft |
| 2nd Floor Area | 780 sqft |
| Attic | Attic |
| Attic Area | 374 sqft |
| Basement Area | 807 sqft |
| Year Built | Built 1916 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,490 sqft (0.148 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 274 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 4505 LUCERNE AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45227-2855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4505 LUCERNE AVE 50 X 130 LOT 20 SHATTUCS HOME PLACE |
| Legal Subdivision | HOME PLACE SHATTUCKS |
| Legal Lot Number | 20 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 5600 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 4505 LUCERNE AVE, CINCINNATI, OH 45227-2855 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 18, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Sep 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Aug 17, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Sep 28, 1998 |
| Last Transfer Date | Aug 28, 2002 |
| Transfer Doc | 0090116482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4505 LUCERNE AVE, CINCINNATI, OH 45227-2855 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000098516 |
|---|---|
| Date | Oct 18, 2022 |
| Book Page | 14775/1123 |
| Instrument | 2022-0098516 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 8, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4505 LUCERNE AVE, CINCINNATI, OH 45227-2855 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000105419 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 14493/232 |
| Instrument | 2021-0105419 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4505 LUCERNE AVE, CINCINNATI, OH 45227-2855 |
| Document Number | 0000075779 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4505 LUCERNE AVE CINCINNATI OH 452272855, CINCINNATI, OH 45227-2855 |
| Document Number | 0000075779 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 013741/000411 |
| Instrument | 75779 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,475.00 (+0.16%) | $70,480 (-) Land $15,470 Building $55,010 | |
| 2024 | $4,468.00 (-0.18%) | $70,480 (-) Land $15,470 Building $55,010 | |
| 2023 | $4,476.00 (+45.94%) | $70,480 (+62.49%) Land $15,470 Building $55,010 | $201,370 (+62.49%) Land $44,200 Building $157,170 |
| 2022 | $3,067.00 | $43,376 Land $7,627 Building $35,749 | |
| 2020 | $123,930 Land $21,790 Building $102,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 575 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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