Hamilton County property record for 4949 Riverwatch Dr, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,682 sqft · built 1986 |
| Lot Size | 0.192 acres (8,364 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jun 2025) |
| Tax Bill | $4,620 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 540-0033-0191-00 |
| Primary APN | 540-0033-0191-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,188 sqft |
| 1st Floor Area | 506 sqft |
| 2nd Floor Area | 1,176 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Fiberglass |
| Lot Area | 8,364 sqft (0.192 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 425 sqft |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 4949 RIVERWATCH DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-5971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | RIVERWATCH DR 70 X 125 IRR LOT 529 MT ALVERNO ESTATES BL D PT IV |
| Legal Subdivision | MT ALVERNO ESTATE |
| Legal Block | D |
| Legal Lot Number | 529 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | DELHI |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 21421 |
4949 Riverwatch Dr is owned and occupied by two individuals who bought it in June 2025.
Source: Hamilton County records, as of January 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4949 RIVERWATCH DR, CINCINNATI, OH 45238-5971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 23, 2023 | Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU |
| May 2, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage GENERAL ELECTRIC CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2025 · Amount on File |
| Deed Sale | Jun 9, 2025 · Amount on File |
| Prior Sale | Aug 21, 2012 |
| Deed Document Number | 202542737 |
| Deed Book / Page | 15433 / 1440 |
| Prior Transfer Date | Apr 22, 2022 |
| Prior Transfer Doc | 0000043749 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4949 RIVERWATCH DR, CINCINNATI, OH 45238-5971 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000034573 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 14922/1043 |
| Instrument | 2023-0034573 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 17, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 2, 2022 |
| Property Address | 4949 RIVERWATCH DR, CINCINNATI, OH 45238-5971 |
| Document Number | 0000043749 |
| Book / Page | 14658 / 407 |
| Map Reference | MB 252 PG 85&86 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022-0043749 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10485 READING RD, CINCINNATI, OH 45241-2523 |
| Document Number | 0000043750 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 2022-0043750 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 7.62% |
The 2025 property tax bill for 4949 Riverwatch Dr was $4,620, up 2.5% from the year before.
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 | $4,620.00 (+2.46%) | $77,714 (-) Land $11,270 Building $66,444 | $222,040 Land $32,200 Building $189,840 |
| 2024 | $4,509.00 (-0.27%) | $77,714 (-) Land $11,270 Building $66,444 | |
| 2023 | $4,521.00 (+40.58%) | $77,714 (+58.24%) Land $11,270 Building $66,444 | $222,040 Land $32,200 Building $189,840 |
| 2022 | $3,216.00 Homeowner's exemption | $49,112 Land $9,821 Building $39,291 | |
| 2020 | $140,320 Land $28,060 Building $112,260 |
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.
FEMA maps place 4949 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 risk around 4949 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 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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