4988 Riverwatch Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 4988 Riverwatch Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,987 sqft · built 1987
Lot Size	0.242 acres (10,585 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,481 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`540-0033-0171-00`

Property Details

APN / Parcel Number

Primary APN	`540-0033-0171-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,987 sqft Living Area
1st Floor Area	1,123 sqft
2nd Floor Area	864 sqft
Basement Area	1,123 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	10,585 sqft (0.242 acres)
Lot Dimensions	157 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4988 RIVERWATCH DR
City	CINCINNATI
State	OH
Zip	45238-5970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERWATCH DR 70 X 157.95 IRR LOT 509 MT ALVERNO ESTATES BL D
Legal Subdivision	MT ALVERNO ESTATES
Legal Block	D
Legal Lot Number	509
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	4
Census Block	4001
Census Tract	21421

Owner

4988 Riverwatch Dr is owned and occupied by two individuals who acquired it in October 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	4988 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	2 Names on Deed
Last Sale	Oct 6, 1994
Deed Sale	Oct 6, 1994
Prior Sale	Oct 6, 1994
Deed Document Number	94169105
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4988 RIVERWATCH DR, CINCINNATI, OH 45238-5970
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068066
Date	Jul 12, 2022
Book Page	14706/127
Instrument	2022-0068066

Lender

Name	CINCINNATI OHIO POLICE FCU
Type	Credit Union
Address	CINCINNATI, OH 45203

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jun 15, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4988 Riverwatch Dr was $6,481, up 2.4% 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	$6,481.00 (+2.39%)	$109,025 (+%) Land $12,169 Building $96,856
2024	$6,330.00 (-0.22%)	$109,024 (-) Land $12,169 Building $96,855
2023	$6,344.00 (+36.96%)	$109,024 (+54.12%) Land $12,169 Building $96,855	$311,500 Land $34,770 Building $276,730
2022	$4,632.00 Homeowner's exemption	$70,739 Land $10,591 Building $60,148
2020			$202,110 Land $30,260 Building $171,850

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

Flood

FEMA maps place 4988 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 4988 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 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.

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