524 Flatt Ter, Cincinnati, OH 45232 Property Records

Hamilton County property record for 524 Flatt Ter, Cincinnati, OH 45232

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 840 sqft · built 1930
Lot Size	0.096 acres (4,225 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Sep 2023)
Tax Bill	$1,512 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-0056-0070-00`

Property Details

APN / Parcel Number

Primary APN	`220-0056-0070-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Basement Area	924 sqft

Exterior

Year Built	Built 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,225 sqft (0.096 acres)
Lot Dimensions	112 ft deep x 39 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	524 FLATT TER
City	CINCINNATI
State	OH
Zip	45232-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLATT TERRACE 38.50 X 112 PT LOT 9 FLATT TERRACE
Legal Subdivision	FLATT TERRACE
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2005
Census Tract	7300

Owner

Source: Hamilton County records, as of February 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	524 FLATT TER, CINCINNATI, OH 45232-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Nov 14, 2019	Deed of Trust, Mortgage · Line of Credit CINFED CU
Oct 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit LA AMISTAD LOAN POOL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Prior Sale	Oct 21, 2019
Deed Document Number	0000063438
Deed Book / Page	14995 / 1254
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 7, 2023
Property Address	524 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000063438
Book / Page	14995 / 1254
Map Reference	MB 32 PG 6
Instrument Date	Sep 5, 2023
Instrument	2023-0063438
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 FLATT TER, CINCINNATI, OH 45232-1708

Mortgage

Document Number	0000063439
Date	Sep 7, 2023
Instrument	2023-0063439

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	524 FLATT TER, CINCINNATI, OH 45232-1708
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100459
Date	Nov 14, 2019
Book Page	14044/02023
Instrument	2019-0100459

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 21, 2019
Property Address	524 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000091537
Book / Page	014027 / 001181
Instrument Date	Oct 21, 2019
Instrument	91537
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$7.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10521 SPRINGRUN DR CINCINNATI OH 452311960, CINCINNATI, OH 45231-1960

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	524 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000011145
Book / Page	013347 / 001550
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	524 FLATT TER

Mortgage

Document Number	0000011145
Date	Feb 3, 2017
Book Page	013347/001550
Instrument	11145

Lender

Name	LA AMISTAD LOAN POOL LLC
Address	886 LIGORIO AVE, CINCINNATI, OH 45218-1521

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

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	$1,512.00 (+3.14%)	$24,406 (-) Land $5,548 Building $18,858
2024	$1,466.00 (-5.84%)	$24,406 (-) Land $5,548 Building $18,858
2023	$1,557.00 (+57.75%)	$24,406 (+76.17%) Land $5,548 Building $18,858	$69,730 (+76.17%) Land $15,850 Building $53,880
2022	$987.00	$13,854 Land $5,156 Building $8,698
2020			$39,580 Land $14,730 Building $24,850

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

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 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: altafiber Network Solutions.

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