5098 Sumter Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5098 Sumter Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,638 sqft · built 1931
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Feb 2020)
Tax Bill	$3,519 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550-0041-0141-00`

Property Details

APN / Parcel Number

Primary APN	`550-0041-0141-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,134 sqft
Attic	Attic
Attic Area	504 sqft
Basement Area	1,134 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	152 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5098 SUMTER AVE
City	CINCINNATI
State	OH
Zip	45238-3825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	SUMTER AVE 50 X 152.43 IRR PT LOT 10 J TERRY SUB
Legal Subdivision	TERRY SUB
Legal Lot Number	10
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	5098 SUMTER AVE, CINCINNATI, OH 45238-3825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 24, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 5, 2020	Warranty Deed, Transfer · FHA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Nov 25, 2009 · Amount on Record
Deed Document Number	202012246
Deed Book / Page	14098 / 554
Prior Transfer Date	Jun 27, 2011
Prior Transfer Doc	0000000113
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5098 SUMTER AVE, CINCINNATI, OH 45238-3825
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 SUMTER AVE, CINCINNATI, OH 45238-3825

Mortgage

Document Number	0000078317
Date	Nov 3, 2023
Book Page	15036/1070
Instrument	2023-0078317

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Feb 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5098 SUMTER AVE, CINCINNATI, OH 45238-3825
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 SUMTER AVE, CINCINNATI, OH 45238-3825

Mortgage

Document Number	0000062671
Date	Jun 24, 2022
Book Page	14695/1338
Instrument	2022-0062671

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Feb 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 5, 2020
Property Address	5098 SUMTER AVE, CINCINNATI, OH 45238-3825
Document Number	0000012246
Book / Page	014098 / 000554
Instrument Date	Jan 28, 2020
Instrument	12246
Transaction Type	Transfer
Record Updated	Apr 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 SUMTER AVE CINCINNATI OH 452383825, CINCINNATI, OH 45238-3825

Mortgage

Document Number	12247
Date	Feb 5, 2020
Book Page	014098/000556
Instrument	12247

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	DENVER, CO 80231

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

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	$3,519.00 (+2.95%)	$57,765 (+%) Land $12,639 Building $45,126	$165,040 (-) Land $36,110 Building $128,930
2024	$3,418.00 (-1.95%)	$57,763 (-) Land $12,638 Building $45,125
2023	$3,486.00 (+3.75%)	$57,763 (+24.09%) Land $12,638 Building $45,125	$165,040 (+24.09%) Land $36,110 Building $128,930
2022	$3,360.00 Homeowner's exemption	$46,551 Land $10,098 Building $36,453
2020			$133,000 Land $28,850 Building $104,150

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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