4778 Loretta Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4778 Loretta Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1923
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on Record
Last Sale	$236,900 (Jan 2026)
Tax Bill	$4,208 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-0080-0228-00`

Property Details

APN / Parcel Number

Primary APN	`180-0080-0228-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
1st Floor Area	832 sqft
2nd Floor Area	832 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1923
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	153 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4778 LORETTA AVE
City	CINCINNATI
State	OH
Zip	45238-4534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4778 LORETTA AVE 50 X 153.91 LOT 164 H M RULISON SUB
Legal Subdivision	H M RULISON SUB
Legal Lot Number	164
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2008
Census Tract	9901

Owner

Source: Hamilton County records, as of February 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4778 LORETTA AVE, CINCINNATI, OH 45238-4534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Warranty Deed, Transfer · VA Mortgage RIVERHILLS BANK
Oct 14, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Oct 14, 2022 · Amount on Record
Deed Document Number	2026-0007243
Deed Book / Page	15593 / 1035
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 30, 2026
Property Address	4778 LORETTA AVE, CINCINNATI, OH 45238-4534
Document Number	0000007243
Book / Page	15593 / 1035
Map Reference	MB 21 PG 86
Instrument Date	Jan 27, 2026
Instrument	2026-0007243
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, CLT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$236.90
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	4778 LORETTA AVE, CINCINNATI, OH 45238-4534

Mortgage

Document Number	0000007244
Date	Jan 30, 2026
Instrument	2026-0007244

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 14, 2022
Property Address	4778 LORETTA AVE, CINCINNATI, OH 45238-4534
Document Number	0000097333
Book / Page	14773 / 435
Map Reference	MB 21 PG 86
Instrument Date	Oct 5, 2022
Instrument	2022-0097333
Transaction Type	Transfer
Record Updated	Nov 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4778 LORETTA AVE, CINCINNATI, OH 45238-4534

Mortgage

Document Number	0000097334
Date	Oct 14, 2022
Instrument	2022-0097334

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$4,208.00 (+3.14%)	$68,250 (+%) Land $5,807 Building $62,443
2024	$4,080.00 (-2.21%)	$68,249 (-) Land $5,806 Building $62,443
2023	$4,172.00 (+117.86%)	$68,249 (+143.87%) Land $5,806 Building $62,443	$195,000 (+143.87%) Land $16,590 Building $178,410
2022	$1,915.00 Homeowner's exemption	$27,986 Land $5,768 Building $22,218
2020			$79,960 Land $16,480 Building $63,480

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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	2 in force

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

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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