5109 Whitmore Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5109 Whitmore Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1976
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2026)
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`540-0031-0122-00`

Property Details

APN / Parcel Number

Primary APN	`540-0031-0122-00`
Alternative APN	`68937387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,694 sqft Living Area
Gross Area	2,244 sqft
1st Floor Area	550 sqft
2nd Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	192 ft deep x 27.4 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5109 WHITMORE DR
City	CINCINNATI
State	OH
Zip	45238-5732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	WHITMORE DR 27.35 X 192.00 IRR LOT 59 RIVERVIEW ESTATES SUB BLK B
Legal Subdivision	RIVERVIEW ESTATES SUB
Legal Block	B
Legal Lot Number	59
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	3
Census Block	3002
Census Tract	21421

Owner

Source: Hamilton County records, as of July 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5109 WHITMORE DR, CINCINNATI, OH 45238-5732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Dec 16, 2004 · Amount on Record
Deed Document Number	202649536
Deed Book / Page	15691 / 1188
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 22, 2026
Property Address	5109 WHITMORE DR, CINCINNATI, OH 45238-5732
Document Number	0000049536
Book / Page	15691 / 1188
Instrument Date	Jun 12, 2026
Instrument	202649536
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,530.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	5109 WHITMORE DR, CINCINNATI, OH 45238-5732

Mortgage

Document Number	0000049537,
Date	Jun 22, 2026
Instrument	202649537

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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	$4,420.00 (+2.53%)	$74,351 (-) Land $11,270 Building $63,081	$212,430 (-) Land $32,200 Building $180,230
2024	$4,311.00 (-0.32%)	$74,351 (-) Land $11,270 Building $63,081
2023	$4,325.00 (+45.67%)	$74,351 (+63.97%) Land $11,270 Building $63,081	$212,430 (+63.98%) Land $32,200 Building $180,230
2022	$2,969.00 Homeowner's exemption	$45,343 Land $9,821 Building $35,522
2020			$129,550 Land $28,060 Building $101,490

Assessed value is set for property tax purposes, not a market price estimate; it is 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 95% of the US · lower than 78% 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 630 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20