451 Baxter Rd, Loveland, OH 45140 Property Records

Warren County property record for 451 Baxter Rd, Loveland, OH 45140

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 6,731 sqft · built 2004
Lot Size	1.65 acres (72,231 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Mar 2024)
Tax Bill	$19,504 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-01-300-032-0`

Property Details

APN / Parcel Number

Primary APN	`16-01-300-032-0`
Alternative APNs	`1601300032` `2701421`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	6,731 sqft Living Area
Gross Area	8,073 sqft
1st Floor Area	1,917 sqft
2nd Floor Area	1,079 sqft
Basement Area	2,656 sqft
Finished Basement	2,656 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick/Stone
Construction Type	Brick
Lot Area	72,231 sqft (1.65 acres)
Terrain	Low
Garage Type	Attached
Garage Area	1,048 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	326 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2701421
Street Address	451 BAXTER RD
City	LOVELAND
State	OH
Zip	45140-6602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANES END LOT 5
Legal Subdivision	LANES END
Legal Block	421
Legal Lot Number	5
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	2
Census Block	2030
Census Tract	32202

Owner

451 Baxter Rd is owned and occupied by two individuals who acquired it in January 2025.

Source: Warren County records, as of February 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	451 BAXTER RD, LOVELAND, OH 45140-6602
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
Jul 7, 2021	Deed of Trust, Mortgage CINFED CU
Sep 30, 2021	Deed of Trust, Mortgage · Line of Credit CINFED CU
Feb 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2025	Transfer on Death Deed, Transfer
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on File
Deed Sale	Mar 1, 2024 · Amount on File
Prior Sale	Sep 2, 2011 · Amount on File
Deed Document Number	20244215
Last Transfer Date	Jan 10, 2025
Transfer Doc	0000001052
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	451 BAXTER RD, LOVELAND, OH 45140-6602
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	RELIABLE LAND TITLE AGENCY LLC, RELIABLE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030947
Date	Jul 7, 2021
Instrument	2021-030947

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	451 BAXTER RD, LOVELAND, OH 45140-6602
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044457
Date	Sep 30, 2021
Instrument	2021-044457

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	451 BAXTER RD, LOVELAND, OH 45140-6602
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 BAXTER RD, LOVELAND, OH 45140-6602

Mortgage

Document Number	0000003223
Date	Feb 9, 2026
Instrument	2026-003223

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2041

January 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WARREN OH
Recording Date	Jan 17, 2025
Property Address	451 BAXTER RD, LOVELAND, OH 45140-6602
Document Number	0000001052
Map Reference	MB 62 PG 93
Instrument Date	Jan 15, 2025
Instrument	2025-001052
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	451 BAXTER RD, LOVELAND, OH 45140-6602

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Mar 1, 2024
Property Address	451 BAXTER RD, LOVELAND, OH 45140-6602
Document Number	0000004215
Map Reference	MB 62 PG 93
Instrument Date	Feb 29, 2024
Instrument	2024-004215
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	451 BAXTER RD, LOVELAND, OH 45140-6602

Mortgage

Document Number	0000004216
Date	Mar 1, 2024
Instrument	2024-004216

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 451 Baxter Rd was $19,504, down 0.1% from the year before.

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Hamilton Township
Unified School District	Loveland City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,504.00 (-0.08%)	$422,630 Land $43,960 Building $378,670	$1,207,510 Land $125,610 Building $1,081,900
2024	$19,519.00 (+0.26%)
2023	$19,468.00 (+83.89%) Homeowner's exemption	$394,279 (-) Land $43,964 Building $350,315
2022	$10,587.00 Homeowner's exemption	$394,279 Land $43,964 Building $350,315	$1,126,510 (-) Land $125,610 Building $1,000,900
2021			$1,126,510 Land $125,610 Building $1,000,900

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.

Flood

FEMA maps place 451 Baxter Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · 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
Nearby Flood Claims	3 (2001–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2012 · river or lake flooding

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 451 Baxter Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WESTERN WATER COMPANY private · serves 39,508 people · EPA ID OH8300512
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 25 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

Cell Coverage

5G (outdoors only) and 4G LTE

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