4604 Whetsel Ave, Cincinnati, OH 45227 Property Records

Hamilton County property record for 4604 Whetsel Ave, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,200 sqft · built 1890
Lot Size	0.133 acres (5,793 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jun 2020)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Apr 2026 Transfer Feb 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036-0004-0094-00`

Property Details

APN / Parcel Number

Primary APN	`036-0004-0094-00`
Alternative APN	`0088880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Gross Area	3,252 sqft
1st Floor Area	1,148 sqft
2nd Floor Area	1,052 sqft
Basement Area	1,052 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,793 sqft (0.133 acres)
Lot Dimensions	138 ft deep x 84 ft wide
Garage Area	360 sqft
Porch	Open Frame Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4604 WHETSEL AVE
City	CINCINNATI
State	OH
Zip	45227-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	4604 WHETSEL AVE 42 X 138 FT LOT 52 WARDS HEIRS SUB
Legal Subdivision	WARDS HEIRS SUB
Legal Lot Number	52
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4019
Census Tract	5600

Owner

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

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	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 13, 2026	Deed of Trust, Mortgage HEIDI S GARGANO
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 1, 2020	Warranty Deed, Transfer · Conventional with PMI AMERICAN FIN'L NTWK INC
Aug 2, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	202051653
Deed Book / Page	14181 / 1088
Last Transfer Date	Mar 28, 2026
Transfer Doc	0000026733
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 9, 2026
Property Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Document Number	0000026733
Book / Page	15641 / 721
Instrument Date	Mar 28, 2026
Instrument	202626733
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326

Mortgage

Document Number	0000010957
Date	Feb 13, 2026
Book Page	15603/26
Instrument	2026-0010957

Lender

Name	HEIDI S GARGANO
Type	Private Party
Address	10360 STERLING POINT DR, MONTGOMERY, OH 45242

Agreement

Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019445
Date	Feb 23, 2022
Book Page	14610/161
Instrument	2022-0019445

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 1, 2020
Property Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Document Number	0000051653
Book / Page	014181 / 001088
Instrument Date	May 28, 2020
Instrument	51653
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	MATTINGLY FORD TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Confirmed
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	4604 WHETSEL AVE CINCINNATI OH 452272326, CINCINNATI, OH 45227-2326

Mortgage

Document Number	51654
Date	Jun 1, 2020
Book Page	014181/001090
Instrument	51654

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 2, 2019
Property Address	4604 WHETSEL AVE, CINCINNATI, OH 45227-2326
Document Number	0000063440
Book / Page	13972 / 01972
Map Reference	MB 3 PG 9
Instrument Date	Aug 1, 2019
Instrument	2019-0063440
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Tax	$356.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14504 ASH GROVE PL, LOUISVILLE, KY 40245-5205

Tax Assessment & Valuation

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	$2,298.00 (+3.1%)	$112,596 (+%) Land $14,095 Building $98,501	$321,700 (-) Land $40,270 Building $281,430
2024	$2,229.00 (-2.19%)	$112,594 (-) Land $14,094 Building $98,500
2023	$2,279.00 (+21.22%)	$112,594 (+19.15%) Land $14,094 Building $98,500	$321,700 (+19.15%) Land $40,270 Building $281,430
2022	$1,880.00 Homeowner's exemption	$94,500 Land $6,944 Building $87,556
2020			$270,000 Land $19,840 Building $250,160

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

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	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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