5132 Riverwatch Dr, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5132 Riverwatch Dr, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 1985
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on File
Tax Bill	$4,484 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`540-0031-0240-00`

Property Details

APN / Parcel Number

Primary APN	`540-0031-0240-00`
Alternative APN	`44011546`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	2,446 sqft
1st Floor Area	992 sqft
2nd Floor Area	528 sqft
Basement Area	464 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	125 ft deep x 65.6 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5132 RIVERWATCH DR
City	CINCINNATI
State	OH
Zip	45238-5902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	RIVERWATCH DR 65.58 X 125 LOT 471 MT ALVERNO ESTATES BL D PT 3
Legal Subdivision	MT ALVERNO ESTATE
Legal Block	D
Legal Lot Number	471
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	3
Census Block	3002
Census Tract	21421

Owner

5132 Riverwatch Dr is owned and occupied by an individual who acquired it in December 2008.

Source: Hamilton County records, as of January 21, 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	Individual Name on File
Mailing Address	5132 RIVERWATCH DR, CINCINNATI, OH 45238-5902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 1995
Deed Sale	Apr 20, 1995
Deed Document Number	199550023
Deed Book / Page	6737 / 1038
Last Transfer Date	Dec 9, 2008
Transfer Doc	0000000282
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5132 RIVERWATCH DR, CINCINNATI, OH 45238-5902
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 RIVERWATCH DR, CINCINNATI, OH 45238-5902

Mortgage

Document Number	0000096509
Date	Dec 10, 2025
Book Page	15559/1007
Instrument	2025-0096509

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Oct 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5132 Riverwatch Dr was $4,484, up 2.5% from the year before.

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	$4,484.00 (+2.51%)	$75,439 (-) Land $10,822 Building $64,617	$215,540 Land $30,920 Building $184,620
2024	$4,374.00 (-0.32%)	$75,439 (-) Land $10,822 Building $64,617
2023	$4,388.00 (+41.64%)	$75,439 (+59.43%) Land $10,822 Building $64,617	$215,540 Land $30,920 Building $184,620
2022	$3,098.00 Homeowner's exemption	$47,317 Land $9,415 Building $37,902
2020			$135,190 Land $26,900 Building $108,290

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

Flood

FEMA maps place 5132 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 5132 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 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