5097 Sumter Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5097 Sumter Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,733 sqft · built 1930
Lot Size	0.169 acres (7,362 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Aug 2020)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550-0041-0155-00`

Property Details

APN / Parcel Number

Primary APN	`550-0041-0155-00`
Alternative APN	`0011251`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,733 sqft Living Area
Gross Area	2,925 sqft
1st Floor Area	1,192 sqft
Attic	Attic
Attic Area	541 sqft
Basement Area	1,192 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5097 SUMTER AVE
City	CINCINNATI
State	OH
Zip	45238-3824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	SUMTER AVE 50 X 150 R2-T2-S7 SW
Legal Subdivision	WILLIAM HEUWERTHS
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	3
Census Block	3001
Census Tract	21202

Owner

Source: Hamilton County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5097 SUMTER AVE, CINCINNATI, OH 45238-3824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 28, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L
Dec 29, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Jul 28, 2016 · Amount on Record
Deed Document Number	202086868
Deed Book / Page	14242 / 1664
Prior Transfer Date	Jun 27, 2011
Prior Transfer Doc	0000000113
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5097 SUMTER AVE, CINCINNATI, OH 45238-3824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082069
Date	Sep 8, 2017
Instrument	17-0082069

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 28, 2020
Property Address	5097 SUMTER AVE, CINCINNATI, OH 45238-3824
Document Number	0000086868
Book / Page	014242 / 001664
Instrument Date	Aug 3, 2020
Instrument	86868
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5097 SUMTER AVE CINCINNATI OH 452383824, CINCINNATI, OH 45238-3824

Mortgage

Document Number	86869
Date	Aug 28, 2020
Book Page	014242/001667
Instrument	86869

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 29, 2017
Property Address	5097 SUMTER AVE, CINCINNATI, OH 45238-3824
Document Number	0000118177
Book / Page	013574 / 001543
Instrument Date	Nov 4, 2017
Instrument	118177
Transaction Type	Transfer
Record Updated	Jan 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5097 SUMTER AVE CINCINNATI OH 452383824, CINCINNATI, OH 45238-3824

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,393.00 (+0.3%)	$54,251 (+%) Land $12,513 Building $41,738	$155,000 (-) Land $35,750 Building $119,250
2024	$3,383.00 (-0.15%)	$54,249 (-) Land $12,512 Building $41,737
2023	$3,388.00 (+11.45%)	$54,249 (+33.07%) Land $12,512 Building $41,737	$155,000 (+33.07%) Land $35,750 Building $119,250
2022	$3,040.00	$40,768 Land $9,996 Building $30,772
2020			$116,480 Land $28,560 Building $87,920

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.

Flood

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

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

Wildfire Risk	Not rated no burnable land within 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 585 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

May also be available: T-Mobile.

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