6040 Luwista Ln, Cincinnati, OH 45230 Property Records

Hamilton County property record for 6040 Luwista Ln, Cincinnati, OH 45230

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,950 sqft · built 1956
Lot Size	1.89 acres (82,416 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Sep 2025)
Tax Bill	$8,724 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`500-0420-0104-00`

Property Details

APN / Parcel Number

Primary APN	`500-0420-0104-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
1st Floor Area	1,950 sqft
Basement Area	1,752 sqft
Finished Basement	500 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	82,416 sqft (1.89 acres)
Lot Dimensions	334 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	198 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	6040 LUWISTA LN
City	CINCINNATI
State	OH
Zip	45230-2736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUWISTA LE 41.64 X 334.84 IRR
Jurisdiction	HAMILTON OH
Township / Civil Division	ANDERSON
Census Block Group	3
Census Block	3011
Census Tract	4602

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Sep 19, 2025	Transfer on Death Deed, Transfer
Sep 4, 2025	Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Apr 2, 2012 · Amount on Record
Deed Document Number	0000068153
Deed Book / Page	15493 / 2759
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736

Mortgage

Document Number	0000099194
Date	Dec 18, 2025
Book Page	15565/1581
Instrument	2025-0099194

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 19, 2025
Property Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736
Document Number	0000072865
Book / Page	15504 / 1938
Instrument Date	Aug 29, 2025
Instrument	2025-0072865
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736

September 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 4, 2025
Property Address	6040 LUWISTA LN, CINCINNATI, OH 45230-2736
Document Number	0000068153
Book / Page	15493 / 2759
Instrument Date	Aug 29, 2025
Instrument	2025-0068153
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
Amount Accuracy	Full Amount Stated
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	6040 LUWISTA LN, CINCINNATI, OH 45230-2736

Mortgage

Document Number	0000068154
Date	Sep 4, 2025
Book Page	15493/2761
Instrument	2025-0068154

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	15249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Max Rate	13.2%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Anderson Township
Unified School District	Forest Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,724.00 (+2.61%)	$139,209 (-) Land $45,549 Building $93,660
2024	$8,502.00 (+5.31%)	$139,209 (-) Land $45,549 Building $93,660
2023	$8,073.00 (+20.1%)	$139,209 (+34.93%) Land $45,549 Building $93,660	$397,740 (+34.93%) Land $130,140 Building $267,600
2022	$6,722.00 Homeowner's exemption	$103,173 Land $41,174 Building $61,999
2020			$294,780 Land $117,640 Building $177,140

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	3 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1986 · tidal / storm surge

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 224 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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