Hamilton County property record for 4904 Riverwatch Dr, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,056 sqft · built 1986 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Apr 2026) |
| Tax Bill | $5,461 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 540-0033-0182-00 |
| Primary APN | 540-0033-0182-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,056 sqft Living Area |
| Gross Area | 3,464 sqft |
| 1st Floor Area | 1,048 sqft |
| 2nd Floor Area | 1,008 sqft |
| Basement Area | 1,048 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Fiberglass |
| Lot Area | 11,456 sqft (0.263 acres) |
| Lot Dimensions | 124 ft deep x 32.3 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 4904 RIVERWATCH DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-5970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | RIVERWATCH DR 32.29 X 124.04 IRR LOT 520 MT ALVERNO ESTATES BLD PT IV |
| Legal Subdivision | MT ALVERNO ESTATE |
| Legal Lot Number | 520 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | DELHI |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 21421 |
Source: Hamilton County records, as of July 2, 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 Record |
|---|---|
| Mailing Address | 4904 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 10, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| May 24, 2024 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2026 · Amount on Record |
| Deed Sale | Apr 10, 2026 · Amount on Record |
| Prior Sale | Nov 9, 2004 · Amount on Record |
| Deed Document Number | 202627309 |
| Deed Book / Page | 15642 / 1089 |
| Prior Transfer Date | Jun 30, 1997 |
| Prior Transfer Doc | 0000108848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 10, 2026 |
| Property Address | 4904 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000027309 |
| Book / Page | 15642 / 1089 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 202627309 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | TANDEM TITLE LLC, TANDEM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $67,670.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4904 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000027310, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 202627310 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 24, 2024 |
| Property Address | 4904 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000035172 |
| Book / Page | 15174 / 1368 |
| Map Reference | MB 252 PG 85&86 |
| Instrument Date | May 22, 2024 |
| Instrument | 2024-0035172 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4904 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Investor | Possibly a Property Investor |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Delhi Township |
| Unified School District | Oak Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,461.00 (+2.52%) | $91,931 (-) Land $11,270 Building $80,661 | $262,660 (-) Land $32,200 Building $230,460 |
| 2024 | $5,327.00 (-0.32%) | $91,931 (-) Land $11,270 Building $80,661 | |
| 2023 | $5,344.00 (+43.08%) | $91,931 (+61.03%) Land $11,270 Building $80,661 | $262,660 (+61.03%) Land $32,200 Building $230,460 |
| 2022 | $3,735.00 Homeowner's exemption | $57,089 Land $9,821 Building $47,268 | |
| 2020 | $163,110 Land $28,060 Building $135,050 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 331 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 | 300 / 20 |
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