540 Flatt Ter, Cincinnati, OH 45232 Property Records

Hamilton County property record for 540 Flatt Ter, Cincinnati, OH 45232

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,576 sqft · built 1925
Lot Size	0.083 acres (3,615 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Jul 2023)
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`220-0057-0053-00`

Property Details

APN / Parcel Number

Primary APN	`220-0057-0053-00`
Alternative APN	`0084457`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
Gross Area	2,486 sqft
1st Floor Area	910 sqft
2nd Floor Area	666 sqft
Upper Floors Area	666 sqft
Basement Area	910 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,615 sqft (0.083 acres)
Lot Dimensions	112 ft deep x 35 ft wide
Garage Area	240 sqft
Porch	Open Frame Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	540 FLATT TER
City	CINCINNATI
State	OH
Zip	45232-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	540 FLATT TER 35 X 112 PT LOTS 26-27 PETERS EST SUB PARS 53-54 CONS
Legal Subdivision	PETERS EST SUB
Legal Lot Number	26-27
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2005
Census Tract	7300

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	Company Name on Record
Mailing Address	2692 MADISON RD, N1250, CINCINNATI, OH 45208-1321
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL LOAN FUNDING LLC
Mar 19, 2024	Quit Claim Deed, Transfer Quitclaim
Jul 26, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Nov 21, 2001 · Amount on Record
Deed Document Number	202351910
Deed Book / Page	14965 / 830
Last Transfer Date	Feb 29, 2024
Transfer Doc	0000017676
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	540 FLATT TER, CINCINNATI, OH 45232-1708
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATL TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6545 MARKET AVE N 100, 100, N CANTON, OH 44721-2430

Mortgage

Document Number	0000021145
Date	Apr 2, 2024
Book Page	15136/119
Instrument	2024-0021145

Lender

Name	COMMERCIAL LOAN FUNDING LLC
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 19, 2024
Property Address	540 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000017676
Book / Page	15126 / 959
Map Reference	MB 16 PG 71
Instrument Date	Feb 21, 2024
Instrument	2024-0017676
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2692 MADISON RD # N1250, N1250, CINCINNATI, OH 45208-1321

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 26, 2023
Property Address	540 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000051910
Book / Page	14965 / 830
Map Reference	MB 16 PG 71
Instrument Date	Jul 21, 2023
Instrument	2023-0051910
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 MADISON RD # 250, 250, CINCINNATI, OH 45208-1216

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	$2,285.00 (+0.18%)	$35,949 (-) Land $5,110 Building $30,839	$102,710 (-) Land $14,600 Building $88,110
2024	$2,281.00 (+3.59%)	$35,949 (-) Land $5,110 Building $30,839
2023	$2,202.00 (+48.99%)	$35,949 (+66.55%) Land $5,110 Building $30,839	$102,710 (+66.55%) Land $14,600 Building $88,110
2022	$1,478.00 Homeowner's exemption	$21,585 Land $4,746 Building $16,839
2020			$61,670 Land $13,560 Building $48,110

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	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 438 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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