4602 Winona Ter, Cincinnati, OH 45227 Property Records

Hamilton County property record for 4602 Winona Ter, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,528 sqft · built 1906
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on File
Last Sale	$455,000 (Jul 2026)
Tax Bill	$8,922 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-0004-0291-00`

Property Details

APN / Parcel Number

Primary APN	`036-0004-0291-00`
Alternative APN	`0088880`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	954 sqft
2nd Floor Area	574 sqft
Basement Area	982 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	140 ft deep x 191 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4602 WINONA TER
City	CINCINNATI
State	OH
Zip	45227-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	4602 WINONA TER 54.56 X 140 LOT 102 PT 101 SHATTUCS 2ND SUB
Legal Subdivision	SHATTUCS 2ND SUB
Legal Lot Number	102
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4000
Census Tract	5600

Owner

4602 Winona Ter is owned and occupied by an individual who bought it in July 2026.

Source: Hamilton County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	4602 WINONA TER, CINCINNATI, OH 45227-2436
Occupancy	Owner Occupied
Owner Type	Individual

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 22, 2026	Warranty Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Oct 4, 2017	Deed of Trust, Mortgage · ARM UNION SAVINGS BANK
Sep 9, 2022	Warranty Deed, Transfer · Commercial Mortgage CITY NATIONAL BANK OF WEST VIRGINIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	Aug 22, 2023 · Amount on File
Deed Document Number	202658992
Deed Book / Page	15712 / 464
Prior Transfer Date	Sep 15, 2006
Prior Transfer Doc	0000160290
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 22, 2026
Property Address	4602 WINONA TER, CINCINNATI, OH 45227-2436
Document Number	0000058992
Book / Page	15712 / 464
Instrument Date	Jul 9, 2026
Instrument	202658992
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NORTHWEST AR TITLE, NORTHWEST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,910.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4602 WINONA TER, CINCINNATI, OH 45227-2436

Mortgage

Document Number	0000058993,
Date	Jul 22, 2026
Instrument	202658993

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 22, 2023
Property Address	4602 WINONA TER, CINCINNATI, OH 45227-2436
Document Number	0000059318
Book / Page	14984 / 1697
Map Reference	MB 12 PG 17
Instrument Date	Aug 21, 2023
Instrument	2023-0059318
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	OLD TOWN TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
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	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-3314

Mortgage

Document Number	0000059319
Date	Aug 22, 2023
Instrument	2023-0059319

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4602 WINONA TER, CINCINNATI, OH 45227-2436
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	PROMINENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000753
Date	Oct 4, 2017
Instrument	17-0090753

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 9, 2022
Property Address	4602 WINONA TER, CINCINNATI, OH 45227-2436
Document Number	0000086408
Book / Page	14748 / 1720
Map Reference	MB 12 PG 17
Instrument Date	Aug 25, 2022
Instrument	2022-0086408
Transaction Type	Transfer
Record Updated	Oct 26, 2022

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
Address	4602 WINONA TER, CINCINNATI, OH 45227-2436

Mortgage

Document Number	0000086409
Date	Sep 9, 2022
Instrument	2022-0086409

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Aug 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4602 Winona Ter was $8,922, up 3.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,922.00 (+3.12%)	$144,201 (+%) Land $16,944 Building $127,257	$412,000 Land $48,410 Building $363,590
2024	$8,652.00 (+129.37%)	$144,200 (+146.03%) Land $16,943 Building $127,257
2023	$3,772.00 (+56%)	$58,610 (+68.96%) Land $16,943 Building $41,667	$412,000 Land $48,410 Building $363,590
2022	$2,418.00 Homeowner's exemption	$34,689 Land $8,348 Building $26,341
2020			$99,110 Land $23,850 Building $75,260

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 4602 Winona Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4602 Winona Ter 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 94% of the US · lower than 74% 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 544 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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