523 Flatt Ter, Cincinnati, OH 45232 Property Records

Hamilton County property record for 523 Flatt Ter, Cincinnati, OH 45232

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 888 sqft · built 1953
Lot Size	0.098 acres (4,312 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Feb 2023)
Tax Bill	$3,237 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-0056-0080-00`

Property Details

APN / Parcel Number

Primary APN	`220-0056-0080-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft
Basement Area	888 sqft
Finished Basement	530 sqft

Exterior

Year Built	Built 1953
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,312 sqft (0.098 acres)
Lot Dimensions	111 ft deep x 38.5 ft wide
Porch	Porch
Porch Area	70 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	523 FLATT TER
City	CINCINNATI
State	OH
Zip	45232-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLATT TER 38.50 X 111.79 IRR PT LOT 7 FLATT TERRACE
Legal Subdivision	FLATT TERRACE
Legal Lot Number	7
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2006
Census Tract	7300

Owner

Source: Hamilton County assessment roll, as of March 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	523 FLATT TER, CINCINNATI, OH 45232-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Feb 2, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Dec 8, 2022	Warranty Deed, Transfer OS NATIONAL LLC, OS NATIONAL
Feb 21, 2017	Warranty Deed, Transfer · Conventional Mortgage EDWARD G & ANITA S MARKS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 2, 2023 · Amount on Record
Deed Sale	Feb 2, 2023 · Amount on Record
Prior Sale	Dec 8, 2022 · Amount on Record
Deed Document Number	0000008191
Deed Book / Page	14845 / 417
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	523 FLATT TER, CINCINNATI, OH 45232-1707
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	RELIABLE LAND TITLE AGENCY LLC, RELIABLE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084035
Date	Aug 31, 2022
Book Page	14742/653
Instrument	2022-0084035

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Jun 21, 2037

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 2, 2023
Property Address	523 FLATT TER, CINCINNATI, OH 45232-1707
Document Number	0000008191
Book / Page	14845 / 417
Map Reference	MB 32 PG 6
Instrument Date	Jan 30, 2023
Instrument	2023-0008191
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 FLATT TER, CINCINNATI, OH 45232-1707

Mortgage

Document Number	0000008192
Date	Feb 2, 2023
Instrument	2023-0008192

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 8, 2022
Property Address	523 FLATT TER, CINCINNATI, OH 45232-1707
Document Number	0000111983
Book / Page	14809 / 1773
Map Reference	MB 32 PG 6
Instrument Date	Dec 2, 2022
Instrument	2022-0111983
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount Recorded
Tax	$143.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 21, 2017
Property Address	523 FLATT TER, CINCINNATI, OH 45232-1707
Document Number	0000016033
Book / Page	013358 / 001606
Instrument Date	Feb 17, 2017
Instrument	16033
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 FLATT TER CINCINNATI OH 452321707, CINCINNATI, OH 45232-1707

Mortgage

Document Number	16036
Date	Feb 21, 2017
Book Page	013358/001615
Instrument	16036

Lender

Name	EDWARD G & ANITA S MARKS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

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	$3,237.00 (+3.12%)	$52,500 (+%) Land $5,547 Building $46,953
2024	$3,139.00 (-2.18%)	$52,499 (-) Land $5,547 Building $46,952
2023	$3,209.00 (+184.23%)	$52,499 (+227.2%) Land $5,547 Building $46,952	$150,000 (+227.23%) Land $15,850 Building $134,150
2022	$1,129.00 Homeowner's exemption	$16,045 Land $5,156 Building $10,889
2020			$45,840 Land $14,730 Building $31,110

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	Not rated no burnable land within ember reach

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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cincinnati Bell.

Nearby Properties on Flatt Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures