490 Stanley Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 490 Stanley Ave, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,595 sqft · built 1996
Lot Size	0.075 acres (3,267 sqft)
Owner	2 Companies on Record
Last Sale	$299,000 (Apr 2018)
Tax Bill	$7,235 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`028-0006-0146-00`

Property Details

APN / Parcel Number

Primary APN	`028-0006-0146-00`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,595 sqft Living Area
1st Floor Area	682 sqft
2nd Floor Area	913 sqft
Basement Area	682 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	133 ft deep x 25 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	490 STANLEY AVE
City	CINCINNATI
State	OH
Zip	45226-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY AVE 25 X 133.50 LOT 32 COTTAGE HILL SUB BLK G
Legal Subdivision	COTTAGE HILL SUB
Legal Block	G
Legal Lot Number	32
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2003
Census Tract	4703

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Companies on Record
Mailing Address	490 STANLEY AVE, CINCINNATI, OH 45226-1722
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Jul 12, 2013
Deed Document Number	18-0029578
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	490 STANLEY AVE, CINCINNATI, OH 45226-1722
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033315
Date	Mar 16, 2021
Book Page	14375/2500
Instrument	2021-0033315

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	490 STANLEY AVE, CINCINNATI, OH 45226-1722
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043205
Date	Apr 28, 2022
Book Page	14656/1546
Instrument	2022-0043205

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$7,235.00 (+3.08%) Homeowner's exemption	$127,852 (-) Land $46,092 Building $81,760
2024	$7,019.00 (-9.97%) Homeowner's exemption	$127,852 (-) Land $46,092 Building $81,760
2023	$7,796.00 (+9.59%)	$127,852 (+22.17%) Land $46,092 Building $81,760	$365,290 (+22.17%) Land $131,690 Building $233,600
2022	$7,114.00 Homeowner's exemption	$104,651 Land $18,764 Building $85,887
2020			$299,000 Land $53,610 Building $245,390

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

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	Low lower than 95% of the US · lower than 78% 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 464 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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