4781 Loretta Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4781 Loretta Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,515 sqft · built 1914
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Oct 2023)
Tax Bill	$3,844 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`180-0080-0236-00`

Property Details

APN / Parcel Number

Primary APN	`180-0080-0236-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,515 sqft Living Area
1st Floor Area	813 sqft
2nd Floor Area	702 sqft
Upper Floors Area	702 sqft
Basement Area	1,125 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	7,667 sqft (0.176 acres)
Lot Width	50 ft Width
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	156 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4781 LORETTA AVE
City	CINCINNATI
State	OH
Zip	45238-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4781 LORETTA AVE 50 FT IRR LOT 173 H M RULISON SUB
Legal Subdivision	H M RULISON SUB
Legal Lot Number	173
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1003
Census Tract	9901

Owner

4781 Loretta Ave is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515
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
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Oct 2, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Feb 22, 2021	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Mar 9, 2017	Warranty Deed, Transfer · Conventional with PMI CINCINNATI FED'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2023 · Amount on File
Deed Sale	Oct 2, 2023 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	0000070181
Deed Book / Page	15012 / 1730
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Sep 29, 2026
Property Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515
Document Number	0000080230
Book / Page	15760 / 2167
Instrument Date	Sep 22, 2026
Instrument	202680230
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515

Mortgage

Document Number	0000080230,
Date	Sep 29, 2026
Book Page	15760/2167
Instrument	202680230

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC

Agreement

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

Interest

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

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 2, 2023
Property Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515
Document Number	0000070181
Book / Page	15012 / 1730
Map Reference	MB 21 PG 86
Instrument Date	Sep 28, 2023
Instrument	2023-0070181
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
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	4781 LORETTA AVE, CINCINNATI, OH 45238-4515

Mortgage

Document Number	0000070182
Date	Oct 2, 2023
Instrument	2023-0070182

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 22, 2021
Property Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515
Document Number	0000021747
Book / Page	14359 / 828
Map Reference	MB 21 PG 86
Instrument Date	Jan 28, 2021
Instrument	2021-0021747
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515

Mortgage

Document Number	0000021748
Date	Feb 22, 2021
Instrument	2021-0021748

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 9, 2017
Property Address	4781 LORETTA AVE, CINCINNATI, OH 45238-4515
Document Number	0000020975
Book / Page	013370 / 000756
Instrument Date	Feb 27, 2017
Instrument	20975
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 LORETTA AVE CINCINNATI OH 452384515, CINCINNATI, OH 45238-4515

Mortgage

Document Number	20977
Date	Mar 9, 2017
Book Page	013370/000761
Instrument	20977

Lender

Name	CINCINNATI FED'L
Address	6581 HARRISON AVE, CINCINNATI, OH 45247-2810

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4781 Loretta Ave was $3,844, up 3.1% 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	$3,844.00 (+3.14%)	$62,300 (+%) Land $5,589 Building $56,711
2024	$3,727.00 (-2.2%)	$62,299 (-) Land $5,589 Building $56,710
2023	$3,811.00 (+13.76%)	$62,299 (+26.91%) Land $5,589 Building $56,710	$178,000 Land $15,970 Building $162,030
2022	$3,350.00 Homeowner's exemption	$49,088 Land $5,551 Building $43,537
2020			$140,250 Land $15,860 Building $124,390

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 4781 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 4781 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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