4681 Loretta Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4681 Loretta Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 1922
Lot Size	0.087 acres (3,833 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Apr 2015)
Tax Bill	$2,661 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`180-0080-0105-00`

Property Details

APN / Parcel Number

Primary APN	`180-0080-0105-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,385 sqft Living Area
1st Floor Area	743 sqft
2nd Floor Area	642 sqft
Upper Floors Area	642 sqft
Basement Area	943 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1922
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	3,833 sqft (0.087 acres)
Lot Dimensions	111 ft deep x 146 ft wide
Garage Type	Basement
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	161 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4681 LORETTA AVE
City	CINCINNATI
State	OH
Zip	45238-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4681 LORETTA AVE 35 X 111.03 PT LOT 22-23-24 LOCKMANS SUB PARS 106-107CONS
Legal Subdivision	LOCKMANS SUB
Legal Lot Number	22-23-2 23
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1002
Census Tract	9901

Owner

4681 Loretta Ave is owned and occupied by an individual who bought it in April 2015.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513
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
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit OPTIMUM FIRST INC
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2015 · Amount on File
Deed Sale	Apr 20, 2015 · Amount on File
Prior Sale	May 5, 2010 · Amount on File
Deed Document Number	342526
Deed Book / Page	12873 / 00941
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513

Mortgage

Document Number	0000019254
Date	Mar 25, 2024
Book Page	15130/1008
Instrument	2024-0019254

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2054

Interest

Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513

Mortgage

Document Number	0000045044
Date	Jun 30, 2023
Book Page	14948/163
Instrument	2023-0045044

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4681 LORETTA AVE, CINCINNATI, OH 45238-4513
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075168
Date	Sep 5, 2019
Book Page	13995/00398
Instrument	2019-0075168

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4681 Loretta Ave was $2,661, up 2.7% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

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	$2,661.00 (+2.66%)	$37,079 (+%) Land $3,531 Building $33,548
2024	$2,592.00 (-1.89%)	$37,078 (-) Land $3,531 Building $33,547
2023	$2,642.00 (-8.68%)	$37,078 (+0.32%) Land $3,531 Building $33,547	$105,940 Land $10,090 Building $95,850
2022	$2,893.00 Homeowner's exemption	$36,960 Land $3,507 Building $33,453
2020			$105,600 Land $10,020 Building $95,580

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 4681 Loretta Ave in Zone X, an area of minimal flood risk.

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

The area around 4681 Loretta Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 762 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	1,000 / 75

May also be available: AT&T, T-Mobile.

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