550 Flatt Ter, Cincinnati, OH 45232 Property Records

Hamilton County property record for 550 Flatt Ter, Cincinnati, OH 45232

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,282 sqft · built 1926
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Oct 2019)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-0057-0055-00`

Property Details

APN / Parcel Number

Primary APN	`220-0057-0055-00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Finished Basement	450 sqft
Unfinished Basement	382 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	112 ft deep x 37 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	98 sqft
Deck Area	Deck Area
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	550 FLATT TER
City	CINCINNATI
State	OH
Zip	45232-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	550 FLAT TER 37 X 112 PT LOT I5-26 D PETERS EST
Legal Subdivision	PETERS EST
Legal Lot Number	I5
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2005
Census Tract	7300

Owner

Source: Hamilton County records, as of July 1, 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	550 FLATT TER, CINCINNATI, OH 45232-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 16, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	201984648
Deed Book / Page	14013 / 851
Prior Transfer Date	Apr 3, 1995
Prior Transfer Doc	0000041515
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	550 FLATT TER, CINCINNATI, OH 45232-1708
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 FLATT TER, CINCINNATI, OH 45232-1708

Mortgage

Document Number	0000087452
Date	Nov 10, 2025
Book Page	15540/310
Instrument	2025-0087452

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	550 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000124169
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 FLATT TER CINCINNATI OH 452321708, CINCINNATI, OH 45232-1708

Mortgage

Document Number	0000124169
Date	Nov 25, 2020
Book Page	014303/001125
Instrument	124169

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 1, 2019
Property Address	550 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000084648
Book / Page	14013 / 00851
Map Reference	CASE 128692
Instrument Date	Sep 20, 2019
Instrument	2019-0084648
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PARKWAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3710 ARCO CORPORATE DR # 200, 200, CHARLOTTE, NC 28273-7007

Mortgage

Document Number	0000084649
Date	Oct 1, 2019
Instrument	2019-0084649

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 6, 2018
Property Address	550 FLATT TER, CINCINNATI, OH 45232-1708
Document Number	0000106983
Book / Page	013809 / 000182
Instrument Date	Nov 9, 2018
Instrument	106983
Transaction Type	Transfer
Record Updated	Jan 24, 2019

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	308 W MARTIN LUTHER KING JR BLVD COVINGTON KY 410112252, COVINGTON, KY 41011-2252

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	$2,778.00 (+3.19%)	$45,028 (-) Land $5,401 Building $39,627	$128,650 (-) Land $15,430 Building $113,220
2024	$2,692.00 (-2.22%)	$45,028 (-) Land $5,401 Building $39,627
2023	$2,753.00 (-3.81%)	$45,028 (+7.21%) Land $5,401 Building $39,627	$128,650 (+7.21%) Land $15,430 Building $113,220
2022	$2,862.00 Homeowner's exemption	$42,000 Land $5,019 Building $36,981
2020			$120,000 Land $14,340 Building $105,660

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.

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