5689 Candlelite Ter, Cincinnati, OH 45238 Property Records

Hamilton County property record for 5689 Candlelite Ter, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,880 sqft · built 1959
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Feb 2019)
Tax Bill	$4,932 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`550-0143-0186-00`

Property Details

APN / Parcel Number

Primary APN	`550-0143-0186-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,880 sqft Living Area
1st Floor Area	1,100 sqft
2nd Floor Area	780 sqft
Basement Area	750 sqft

Exterior

Year Built	Built 1959
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	155 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5689 CANDLELITE TER
City	CINCINNATI
State	OH
Zip	45238-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANDLELITE TERR 81.68 X 155.28 IRR-LOT 26 COUNTRYEST SUB
Legal Subdivision	COUNTRY ESTATE SUB
Legal Lot Number	26
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	5
Census Block	5000
Census Tract	21202

Owner

5689 Candlelite Ter is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5689 CANDLELITE TER, CINCINNATI, OH 45238-1848
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Feb 10, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK
Feb 10, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK
Feb 20, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2019 · Amount on File
Deed Sale	Feb 20, 2019 · Amount on File
Prior Sale	Dec 13, 2012 · Amount on File
Deed Document Number	0000012906
Deed Book / Page	13858 / 00358
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5689 CANDLELITE TER, CINCINNATI, OH 45238-1848
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090746
Date	Jul 27, 2021
Book Page	14467/131
Instrument	2021-0090746

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5689 CANDLELITE TER, CINCINNATI, OH 45238-1848
Document Number	0000015581
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5689 CANDLELITE TER CINCINNATI OH 452381848, CINCINNATI, OH 45238-1848

Mortgage

Document Number	0000015581
Date	Feb 18, 2020
Book Page	014106/000068
Instrument	15581

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Feb 17, 2040

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5689 CANDLELITE TER, CINCINNATI, OH 45238-1848
Document Number	0000015881
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5689 CANDLELITE TER CINCINNATI OH 452381848, CINCINNATI, OH 45238-1848

Mortgage

Document Number	0000015881
Date	Feb 18, 2020
Book Page	014106/000068
Instrument	15881

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Feb 17, 2040

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 20, 2019
Property Address	5689 CANDLELITE TER, CINCINNATI, OH 45238-1848
Document Number	0000012906
Book / Page	13858 / 00358
Map Reference	MB 91 PG 78&79
Instrument Date	Feb 18, 2019
Instrument	2019-0012906
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PROMINENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0000012907
Date	Feb 20, 2019
Instrument	2019-0012907

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5689 Candlelite Ter was $4,932, up 2.8% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,932.00 (+2.79%)	$81,610 (-) Land $16,114 Building $65,496
2024	$4,798.00 (-1.96%)	$81,610 (-) Land $16,114 Building $65,496
2023	$4,894.00 (+14.67%)	$81,610 (+37.16%) Land $16,114 Building $65,496	$233,170 Land $46,040 Building $187,130
2022	$4,268.00 Homeowner's exemption	$59,500 Land $12,894 Building $46,606
2020			$170,000 Land $36,840 Building $133,160

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

FEMA maps place 5689 Candlelite Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5689 Candlelite Ter is low, with less than a 0.01% annual chance of 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 457 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

May also be available: T-Mobile, Verizon.

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