Hamilton County property record for 4786 Loretta Ave, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,880 sqft · built 1924 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jul 2025) |
| Tax Bill | $5,069 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-0080-0230-00 |
| Primary APN | 180-0080-0230-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,880 sqft Living Area |
| Gross Area | 4,038 sqft |
| 1st Floor Area | 1,158 sqft |
| 2nd Floor Area | 1,166 sqft |
| Attic | Attic |
| Attic Area | 556 sqft |
| Basement Area | 1,158 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 5,358 sqft (0.123 acres) |
| Lot Dimensions | 103 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 4786 LORETTA AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-4534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 4786 LORETTA AVE 50 X 103.91 PT LOT 162 H M RULISON SUB |
| Legal Subdivision | H M RULISON SUB |
| Legal Lot Number | 162 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 9901 |
Source: Hamilton County records · APN 180-0080-0230-00
Assessment roll updated January 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4786 LORETTA AVE, CINCINNATI, OH 45238-4534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jan 16, 2018 | Deed of Trust, Mortgage MAINSOURCE BANK |
| Apr 23, 2018 | Deed of Trust, Mortgage MAINSOURCE BANK |
| Oct 26, 2020 | Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on Record |
| Deed Sale | Jul 30, 2025 · Amount on Record |
| Prior Sale | Oct 26, 2020 · Amount on Record |
| Deed Document Number | 202557115 |
| Deed Book / Page | 15468 / 1499 |
| Prior Transfer Date | Oct 22, 2004 |
| Prior Transfer Doc | 0000221136 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4786 LORETTA AVE, CINCINNATI, OH 45238-4534 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004107 |
|---|---|
| Date | Jan 16, 2018 |
| Instrument | 18-0004107 |
| Name | MAINSOURCE BANK |
|---|---|
| Type | Bank |
| Address | GREENSBURG, IN 47240 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 19, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4786 LORETTA AVE, CINCINNATI, OH 45238-4534 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003724 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 18-0033724 |
| Name | MAINSOURCE BANK |
|---|---|
| Type | Bank |
| Address | GREENSBURG, IN 47240 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Apr 18, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 26, 2020 |
| Property Address | 4786 LORETTA AVE, CINCINNATI, OH 45238-4534 |
| Document Number | 0000112237 |
| Book / Page | 14282 / 4937 |
| Map Reference | MB 21 PG 86 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 2020-0112237 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | PREMIER SERVICE ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $940.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4786 LORETTA AVE, 4786, CINCINNATI, OH 45238-4534 |
| Name | Verified Name |
|---|---|
| Address | 4786 LORETTA AVE, CINCINNATI, OH 45238-4534 |
| Document Number | 0000112238 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 2020-0112238 |
| Name | VAN DYK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,069.00 (+3.11%) | $82,251 (+%) Land $4,883 Building $77,368 | $235,000 (-) Land $13,950 Building $221,050 |
| 2024 | $4,916.00 (-2.21%) | $82,249 (-) Land $4,882 Building $77,367 | |
| 2023 | $5,027.00 (+80.5%) | $82,249 (+101.68%) Land $4,882 Building $77,367 | $235,000 (+101.68%) Land $13,950 Building $221,050 |
| 2022 | $2,785.00 Homeowner's exemption | $40,782 Land $4,851 Building $35,931 | |
| 2020 | $116,520 Land $13,860 Building $102,660 |
Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), as of December 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390610099012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA.
Based on FCC filings for 762 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OH3102612, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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