5231 Race Rd, Cincinnati, OH 45247 Property Records

Hamilton County property record for 5231 Race Rd, Cincinnati, OH 45247

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,748 sqft · built 1980
Lot Size	1.13 acres (49,223 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Dec 2019)
Tax Bill	$7,085 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550-0192-0045-00`

Property Details

APN / Parcel Number

Primary APN	`550-0192-0045-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,748 sqft Living Area
Gross Area	5,468 sqft
1st Floor Area	2,248 sqft
Basement Area	2,248 sqft
Finished Basement	1,500 sqft
Unfinished Basement	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 acres)
Lot Width	18 ft Width
Garage Type	Attached
Garage Area	972 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	714 sqft
Deck Area	Deck Area
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5231 RACE RD
City	CINCINNATI
State	OH
Zip	45247-7903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Description	RACE RD 18 X FT IRR LOT 8 TIMBER CREEK BL A
Legal Subdivision	TIMBER CREEK
Legal Block	A
Legal Lot Number	8
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	2
Census Block	2002
Census Tract	20604

Owner

5231 Race Rd is owned and occupied by an individual who bought it in December 2019.

Source: Hamilton County records, as of July 1, 2026

Owner of Record	Individual Name on File
Mailing Address	5231 RACE RD, CINCINNATI, OH 45247-7903
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 2, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2019 · Amount on File
Deed Sale	Dec 2, 2019 · Amount on File
Deed Document Number	2019106216
Deed Book / Page	14054 / 3501
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5231 RACE RD, CINCINNATI, OH 45247-7903
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082660
Date	Jul 7, 2021
Book Page	14453/2822
Instrument	2021-0082660

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2041

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 2, 2019
Property Address	5231 RACE RD, CINCINNATI, OH 45247-7903
Document Number	0000106216
Book / Page	14054 / 03501
Map Reference	MB 219 PG 5
Instrument Date	Nov 26, 2019
Instrument	2019-0106216
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
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	5231 RACE RD, CINCINNATI, OH 45247-7903

Mortgage

Document Number	0000106217
Date	Dec 2, 2019
Instrument	2019-0106217

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5231 Race Rd was $7,085, 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	Green Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,085.00 (+2.52%)	$136,056 (-) Land $20,167 Building $115,889	$388,730 Land $57,620 Building $331,110
2024	$6,911.00 (-0.09%)	$136,056 (-) Land $20,167 Building $115,889
2023	$6,917.00 (+9.85%)	$136,056 (+29.58%) Land $20,167 Building $115,889	$388,730 Land $57,620 Building $331,110
2022	$6,297.00 Homeowner's exemption	$105,000 Land $20,349 Building $84,651
2020			$300,000 Land $58,140 Building $241,860

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

FEMA maps place 5231 Race Rd 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 5231 Race Rd 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 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 122 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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