5103 Riverwatch Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5103 Riverwatch Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1983
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Nov 2022)
Tax Bill	$5,398 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`540-0031-0295-00`

Property Details

APN / Parcel Number

Primary APN	`540-0031-0295-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,628 sqft Living Area
Gross Area	2,134 sqft
1st Floor Area	506 sqft
2nd Floor Area	1,122 sqft
Basement Area	506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	212 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5103 RIVERWATCH DR
City	CINCINNATI
State	OH
Zip	45238-5901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	RIVERWATCH DR 65 X 212.75 IRR LOT 598 MT ALVERNO ESTATES BL D
Legal Subdivision	MT ALVERNO ESTATE
Legal Block	D
Legal Lot Number	598
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	4
Census Block	4001
Census Tract	21421

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	5103 RIVERWATCH DR, CINCINNATI, OH 45238-5901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Prior Sale	Aug 5, 1991 · Amount on Record
Deed Document Number	2022109407
Deed Book / Page	14803 / 374
Prior Transfer Date	May 2, 2017
Prior Transfer Doc	0000003503
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 30, 2022
Property Address	5103 RIVERWATCH DR, CINCINNATI, OH 45238-5901
Document Number	0000109407
Book / Page	14803 / 374
Map Reference	MB 239 PG 99&100
Instrument Date	Oct 20, 2022
Instrument	2022-0109407
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5103 RIVERWATCH DR, CINCINNATI, OH 45238-5901

Mortgage

Document Number	0000109408
Date	Nov 30, 2022
Instrument	2022-0109408

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

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

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	$5,398.00 (+2.51%)	$91,000 (-) Land $12,369 Building $78,631	$260,000 (-) Land $35,340 Building $224,660
2024	$5,266.00 (-0.3%)	$91,000 (-) Land $12,369 Building $78,631
2023	$5,282.00 (+68.97%)	$91,000 (+90.11%) Land $12,369 Building $78,631	$260,000 (+90.11%) Land $35,340 Building $224,660
2022	$3,126.00 Homeowner's exemption	$47,866 Land $10,759 Building $37,107
2020			$136,760 Land $30,740 Building $106,020

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	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