540 Empress Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 540 Empress Ave, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,986 sqft · built 2018
Lot Size	0.094 acres (4,099 sqft)
Owner	Individual Name on Record
Last Sale	$1,152,000 (Jul 2022)
Tax Bill	$12,687 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-0001-0234-00`

Property Details

APN / Parcel Number

Primary APN	`026-0001-0234-00`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	4 Stories
Building Area	3,986 sqft Living Area
Gross Area	5,153 sqft
1st Floor Area	684 sqft
2nd Floor Area	3,302 sqft
Basement Area	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	4,099 sqft (0.094 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	540 EMPRESS AVE
City	CINCINNATI
State	OH
Zip	45226-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ES EMPRESS AVE 0.0941 AC R2 T4 S25
Legal Subdivision	RIVERVIEW SYNDICATE SUBDIVSION
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2008
Census Tract	4703

Owner

Source: Hamilton County records, as of January 21, 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	540 EMPRESS AVE, CINCINNATI, OH 45226-2031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU
Apr 24, 2020	Deed of Trust, Mortgage TCF NAT'L BK
Jan 10, 2017	Survivorship Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Document Number	202271757
Deed Book / Page	14713 / 1410
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 21, 2022
Property Address	540 EMPRESS AVE, CINCINNATI, OH 45226-2031
Document Number	0000071757
Book / Page	14713 / 1410
Map Reference	MB 7 PG 104
Instrument Date	Jul 18, 2022
Instrument	2022-0071757
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	CLEVELAND HOME TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,456.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10485 READING RD, CINCINNATI, OH 45241-2523

Mortgage

Document Number	0000071758
Date	Jul 21, 2022
Instrument	2022-0071758

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.75%

Mortgage

Document Number	0000072611
Date	Jul 25, 2022
Book Page	14715/942
Instrument	2022-0072611

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	540 EMPRESS AVE, CINCINNATI, OH 45226-2031
Document Number	0000042864
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 EMPRESS AVE CINCINNATI OH 452262031, CINCINNATI, OH 45226-2031

Mortgage

Document Number	0000042864
Date	May 8, 2020
Book Page	014164/000065
Instrument	42864

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

January 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 10, 2017
Property Address	540 EMPRESS AVE, CINCINNATI, OH 45226-2031
Document Number	0000002781
Map Reference	PB7PG104
Instrument Date	Jan 6, 2017
Instrument	17-0002781
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 DELTA AVE, CINCINNATI, OH 45226-1100

Mortgage

Document Number	0000002782
Date	Jan 10, 2017
Instrument	17-0002782

Lender

Name	CHEMICAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.38%

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	$12,687.00 (+3.14%)	$403,201 (+%) Land $65,594 Building $337,607	$1,152,000 (-) Land $187,410 Building $964,590
2024	$12,301.00 (-2.21%)	$403,199 (-) Land $65,593 Building $337,606
2023	$12,579.00 (+363.49%)	$403,199 (+71.36%) Land $65,593 Building $337,606	$1,152,000 (+71.36%) Land $187,410 Building $964,590
2022	$2,714.00	$235,292 Land $26,709 Building $208,583
2020			$672,260 Land $76,310 Building $595,950

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 98% of the US · lower than 90% 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 464 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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