Hamilton County property record for 6046 Gaines Rd, Cincinnati, OH 45247
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,661 sqft · built 1986 |
| Lot Size | 0.424 acres (18,469 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Sep 1997) |
| Tax Bill | $8,003 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 550-0202-0134-00 |
| Primary APN | 550-0202-0134-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,661 sqft Living Area |
| Gross Area | 4,830 sqft |
| 1st Floor Area | 2,203 sqft |
| 2nd Floor Area | 898 sqft |
| Basement Area | 1,729 sqft |
| Finished Basement | 560 sqft |
| Unfinished Basement | 1,169 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 18,469 sqft (0.424 acres) |
| Lot Dimensions | 226 ft deep x 96.4 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 359 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Septic |
| Street Address | 6046 GAINES RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45247-5820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAINES RD 96.40 X 226.82 IRR LOT 6 BRIARWOOD SUB |
| Legal Subdivision | BRIARWOOD SUB |
| Legal Lot Number | 6 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | GREEN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20812 |
Source: Hamilton County records, as of June 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6046 GAINES RD, CINCINNATI, OH 45247-5820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 1997 · Amount on Record |
| Deed Sale | Sep 23, 1997 · Amount on Record |
| Deed Document Number | 1997145209 |
| Deed Book / Page | 7453 / 969 |
| Prior Transfer Date | Sep 30, 1994 |
| Prior Transfer Doc | 0000032156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 6046 GAINES RD, CINCINNATI, OH 45247-5820 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Title Company | OLD TOWN TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 95 W 14TH ST, NEWPORT, KY 41071-2323 |
| Document Number | 0000081337 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 15525/1170 |
| Instrument | 2025-0081337 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 12.7% |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Green Township |
| Unified School District | Northwest Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,003.00 (+2.27%) | $147,767 (-) Land $13,773 Building $133,994 | $422,190 (-) Land $39,350 Building $382,840 |
| 2024 | $7,825.00 (-0.47%) | $147,767 (-) Land $13,773 Building $133,994 | |
| 2023 | $7,862.00 (+20.36%) | $147,767 (+47.41%) Land $13,773 Building $133,994 | $422,190 (+47.41%) Land $39,350 Building $382,840 |
| 2022 | $6,532.00 Homeowner's exemption | $100,240 Land $14,462 Building $85,778 | |
| 2020 | $286,400 Land $41,320 Building $245,080 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 209 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 |
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