520 Terrace Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 520 Terrace Ave, Cincinnati, OH 45220

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3 ba · 3,829 sqft · built 1924
Lot Size	0.139 acres (6,055 sqft)
Owner	Company Name on Record
Last Sale	$370,000 (Dec 2019)
Tax Bill	$9,773 (2025)
Deeds & Mortgages	May 2020 Transfer Dec 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`214-0002-0050-00`

Property Details

APN / Parcel Number

Primary APN	`214-0002-0050-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	3,829 sqft Living Area
Gross Area	5,373 sqft
1st Floor Area	1,544 sqft
2nd Floor Area	1,544 sqft
Attic	Attic
Attic Area	741 sqft
Basement Area	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	520 TERRACE AVE
City	CINCINNATI
State	OH
Zip	45220-1917
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	SF6
Legal Description	520 TERRACE AVE 50 X 121.57 IRR LOT 50 S CLIFTON 1ST SUB
Legal Subdivision	CLIFTON 1ST SUB
Legal Lot Number	50
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1008
Census Tract	7200

Owner

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	Company Name on Record
Mailing Address	520 TERRACE AVE, CINCINNATI, OH 45220-1917
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 11, 2019	Warranty Deed, Transfer · Line of Credit 1ST NATIONAL BANK
Oct 2, 2017	Warranty Deed, Transfer · ARM FOUNDATION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2019 · Amount on Record
Deed Sale	Dec 11, 2019 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	2019109720
Deed Book / Page	14061 / 1501
Last Transfer Date	May 19, 2020
Transfer Doc	0000048233
Record Updated	Jun 8, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	May 22, 2020
Property Address	520 TERRACE AVE, CINCINNATI, OH 45220-1917
Document Number	0000048233
Book / Page	014174 / 001037
Instrument Date	May 19, 2020
Instrument	48233
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1160 E MAIN ST LEBANON OH 450366450, LEBANON, OH 45036-6450

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 11, 2019
Property Address	520 TERRACE AVE, CINCINNATI, OH 45220-1917
Document Number	0000109720
Book / Page	14061 / 01501
Map Reference	MB 2 PG 5
Instrument Date	Dec 6, 2019
Instrument	2019-0109720
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
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

Mortgage

Document Number	0000109722
Date	Dec 11, 2019
Instrument	2019-0109722

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 2, 2017
Property Address	520 TERRACE AVE, CINCINNATI, OH 45220-1917
Document Number	0000000028
Map Reference	MB 8 PG 5
Instrument Date	Sep 29, 2017
Instrument	17-0090028
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.00
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	520 TERRACE AVE, CINCINNATI, OH 45220-1917

Mortgage

Document Number	0000000029
Date	Oct 2, 2017
Instrument	17-0090029

Lender

Name	FOUNDATION BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	5-Year CMT
Max Rate	9.62%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,773.00 (+0.13%)	$153,976 (-) Land $26,618 Building $127,358	$439,930 (-) Land $76,050 Building $363,880
2024	$9,760.00 (-0.17%)	$153,976 (-) Land $26,618 Building $127,358
2023	$9,777.00 (+6.95%)	$153,976 (+18.9%) Land $26,618 Building $127,358	$439,930 (+18.9%) Land $76,050 Building $363,880
2022	$9,142.00	$129,500 Land $23,814 Building $105,686
2020			$370,000 Land $68,040 Building $301,960

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 96% of the US · lower than 81% 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 590 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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