551 Ringgold St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 551 Ringgold St, Cincinnati, OH 45202

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,147 sqft · built 1865
Lot Size	0.044 acres (1,921 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jul 2018)
Tax Bill	$1,465 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`086-0001-0402-00`

Property Details

APN / Parcel Number

Primary APN	`086-0001-0402-00`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,147 sqft Living Area
1st Floor Area	1,028 sqft
2nd Floor Area	756 sqft
Attic	Attic
Attic Area	363 sqft
Basement Area	1,028 sqft

Exterior

Year Built	Built 1865
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	1,921 sqft (0.044 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	551 RINGGOLD ST
City	CINCINNATI
State	OH
Zip	45202-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RINGGOLD ST LOT 110.0441 AC HIGHLANDPARK SUB
Legal Subdivision	HIGHLANDPARK SUB
Legal Lot Number	110
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2009
Census Tract	1800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Prospect Hill Historic District listed 1980 · 271 contributing resources · NRIS 80003078

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	PO BOX 556, CINCINNATI, OH 45201-0556
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 21, 2019	Deed of Trust, Mortgage · Conventional with PMI CFBANK NA
Jul 13, 2018	Warranty Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG
Jun 5, 2017	Deed of Trust, Mortgage CENTRAL BK
Apr 20, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Prior Sale	Apr 12, 2002
Deed Document Number	18-0060306
Deed Book / Page	013709 / 001549
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815

Mortgage

Document Number	0000098826
Date	Dec 17, 2025
Book Page	15564/3157
Instrument	2025-0098826

Lender

Name	NAVY FCU
Type	Credit Union
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jan 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815
Document Number	0000003405
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 RINGGOLD ST CINCINNATI OH 452026815, CINCINNATI, OH 45202-6815

Mortgage

Document Number	0000003405
Date	Jan 10, 2020
Book Page	014081/001709
Instrument	3405

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 13, 2018
Property Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815
Document Number	0000060306
Book / Page	013709 / 001549
Instrument Date	Jun 14, 2018
Instrument	60306
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	MATTINGLY-FORD TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	551 RINGGOLD ST CINCINNATI OH 452026815, CINCINNATI, OH 45202-6815

Mortgage

Document Number	60307
Date	Jul 13, 2018
Book Page	013709/001551
Instrument	60307

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815
Document Number	0000054269
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2718 VINE ST HAMILTON COUNTY CINCINNATI OH 45219, CINCINNATI, OH 45219
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054269
Date	Jun 16, 2017
Book Page	013440/001725
Instrument	54269

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 20, 2017
Property Address	551 RINGGOLD ST, CINCINNATI, OH 45202-6815
Document Number	0000035036
Book / Page	013400 / 001592
Instrument Date	Mar 24, 2017
Instrument	35036
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,425.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2718 VINE ST CINCINNATI OH 452192019, CINCINNATI, OH 45219-2019
Investor	Possibly a Property Investor

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	$1,465.00 (+3.17%)	$89,149 (-) Land $5,502 Building $83,647
2024	$1,420.00 (-2.2%)	$89,149 (-) Land $5,502 Building $83,647
2023	$1,452.00 (-26.85%)	$89,149 (-27.23%) Land $5,502 Building $83,647	$254,710 (-27.23%) Land $15,720 Building $238,990
2022	$1,985.00 Homeowner's exemption	$122,500 Land $3,136 Building $119,364
2020			$350,000 Land $8,960 Building $341,040

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 767 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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