4938 Riverwatch Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4938 Riverwatch Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,835 sqft · built 1986
Lot Size	0.185 acres (8,059 sqft)
Owner	Individual Name on File
Tax Bill	$5,738 (2025)
Deeds & Mortgages	Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`540-0033-0177-00`

Property Details

APN / Parcel Number

Primary APN	`540-0033-0177-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,835 sqft Living Area
1st Floor Area	1,208 sqft
2nd Floor Area	627 sqft
Basement Area	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	8,059 sqft (0.185 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4938 RIVERWATCH DR
City	CINCINNATI
State	OH
Zip	45238-5970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERWATCH DR 65 X 125 LOT 515 MT ALVERNO ESTATES BL D
Legal Subdivision	MT ALVERNO ESTATES
Legal Block	D
Legal Lot Number	515
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	4
Census Block	4001
Census Tract	21421

Owner

4938 Riverwatch Dr is owned and occupied by an individual who acquired it in August 2014.

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

Owner of Record	Individual Name on File
Mailing Address	4938 RIVERWATCH DR, CINCINNATI, OH 45238-5970
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2014
Deed Sale	Aug 4, 2014
Deed Document Number	322717
Deed Book / Page	10667 / 00087
Prior Transfer Date	Oct 4, 2007
Prior Transfer Doc	07-143076
Record Updated	Jun 8, 2026

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	4938 RIVERWATCH DR, CINCINNATI, OH 45238-5970
Document Number	0000082653
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4938 RIVERWATCH DR CINCINNATI OH 452385970, CINCINNATI, OH 45238-5970

Mortgage

Document Number	0000082653
Date	Sep 17, 2018
Book Page	013754/002028
Instrument	82653

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Sep 16, 2058

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 4938 Riverwatch Dr was $5,738, down 0.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Delhi Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,738.00 (-0.23%)	$94,234 (-) Land $10,822 Building $83,412
2024	$5,751.00 (+1.52%)	$94,234 (-) Land $10,822 Building $83,412
2023	$5,665.00 (+40.68%)	$94,234 (+58.19%) Land $10,822 Building $83,412	$269,240 Land $30,920 Building $238,320
2022	$4,027.00	$59,570 Land $9,415 Building $50,155
2020			$170,200 Land $26,900 Building $143,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4938 Riverwatch Dr 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

Wildfire risk around 4938 Riverwatch Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 74% 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 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