Hamilton County property record for 4970 Riverwatch Dr, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,826 sqft · built 1986 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Mar 2022) |
| Tax Bill | $5,199 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 540-0033-0173-00 |
| Primary APN | 540-0033-0173-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,826 sqft Living Area |
| Gross Area | 3,586 sqft |
| 1st Floor Area | 1,188 sqft |
| 2nd Floor Area | 638 sqft |
| Basement Area | 1,188 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Fiberglass |
| Lot Area | 9,932 sqft (0.228 acres) |
| Lot Dimensions | 137 ft deep x 67.2 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 4970 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 67.18 X 136.97 IR LT 511 MT ALVERNO ESTATES BL D PTIV |
| Legal Subdivision | MT ALVERNO ESTATE |
| Legal Block | D |
| Legal Lot Number | 511 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | DELHI |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 21421 |
Source: Hamilton County records, as of July 14, 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 | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Mar 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Jan 25, 2022 | Warranty Deed, Transfer |
| Aug 27, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| May 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2022 · Amount on Record |
| Deed Sale | Mar 28, 2022 · Amount on Record |
| Prior Sale | Jan 25, 2022 · Amount on Record |
| Deed Document Number | 202231793 |
| Deed Book / Page | 14633 / 1034 |
| Prior Transfer Date | Aug 13, 2021 |
| Prior Transfer Doc | 0000104101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | PROMINENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000005143 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 13401/00172 |
| Instrument | 17-0035143 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 28, 2022 |
| Property Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000031793 |
| Book / Page | 14633 / 1034 |
| Map Reference | MB 252 PG 85&86 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 2022-0031793 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000031794 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 2022-0031794 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 25, 2022 |
| Property Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000009189 |
| Book / Page | 14590 / 2590 |
| Map Reference | MB 252 PG 85&86 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022-0009189 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $534.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 442, SPRINGBORO, OH 45066-0442 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 27, 2021 |
| Property Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000104101 |
| Book / Page | 14490 / 2435 |
| Map Reference | MB 252 PG 85&86 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021-0104101 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000104102 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021-0104102 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4970 RIVERWATCH DR, CINCINNATI, OH 45238-5970 |
| Document Number | 0000043976 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4970 RIVERWATCH DR CINCINNATI OH 452385970, CINCINNATI, OH 45238-5970 |
| Document Number | 0000043976 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 014165/002260 |
| Instrument | 43976 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
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 | $5,199.00 (+2.52%) | $87,500 (-) Land $11,480 Building $76,020 | $250,000 (-) Land $32,800 Building $217,200 |
| 2024 | $5,071.00 (-0.31%) | $87,500 (-) Land $11,480 Building $76,020 | |
| 2023 | $5,087.00 (+33.97%) | $87,500 (+50.73%) Land $11,480 Building $76,020 | $250,000 (+50.73%) Land $32,800 Building $217,200 |
| 2022 | $3,797.00 Homeowner's exemption | $58,052 Land $9,993 Building $48,059 | |
| 2020 | $165,860 Land $28,550 Building $137,310 |
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.
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 99.1% of the US · lower than 96% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures