631 Athens Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 631 Athens Ave, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,339 sqft · built 2007
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Nov 2024)
Tax Bill	$12,673 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-0002-0046-00`

Property Details

APN / Parcel Number

Primary APN	`026-0002-0046-00`
Alternative APN	`0088880`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,339 sqft Living Area
Gross Area	2,899 sqft
1st Floor Area	991 sqft
2nd Floor Area	1,348 sqft
Basement Area	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	138 ft deep x 25 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	631 ATHENS AVE
City	CINCINNATI
State	OH
Zip	45226-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	ATHENS AVE 25.20 X 138.36 IRR LOT 41 RIVERVIEW SYND SUB
Legal Subdivision	RIVERVIEW SYND SUB
Legal Lot Number	41
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2007
Census Tract	4703

Owner

631 Athens Ave is owned and occupied by two individuals who bought it in November 2024.

Source: Hamilton County records, as of March 23, 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 File
Mailing Address	631 ATHENS AVE, CINCINNATI, OH 45226-1113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
May 17, 2022	Warranty Deed, Transfer
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2024 · Amount on File
Deed Sale	Nov 21, 2024 · Amount on File
Prior Sale	May 17, 2022 · Amount on File
Deed Document Number	202483108
Deed Book / Page	15298 / 862
Prior Transfer Date	Mar 7, 2011
Prior Transfer Doc	0000000723
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	631 ATHENS AVE, CINCINNATI, OH 45226-1113
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 ATHENS AVE, CINCINNATI, OH 45226-1113

Mortgage

Document Number	0000010088
Date	Feb 10, 2026
Book Page	15600/1585
Instrument	2026-0010088

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 17, 2022
Property Address	631 ATHENS AVE, CINCINNATI, OH 45226-1113
Document Number	0000049423
Book / Page	14669 / 2809
Map Reference	MB 7 PG 104&105
Instrument Date	Apr 29, 2022
Instrument	2022-0049423
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
Tax	$1,767.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8 BELSAR PLACE, CINCINNATI, OH 45220-1104

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	631 ATHENS AVE, CINCINNATI, OH 45226-1113
Document Number	0000005526
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	631 ATHENS AVE CINCINNATI OH 452261113, CINCINNATI, OH 45226-1113

Mortgage

Document Number	0000005526
Date	Jan 16, 2020
Book Page	014085/002171
Instrument	5526

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 15, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 631 Athens Ave was $12,673, up 3.1% from the year before.

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	$12,673.00 (+3.13%)	$206,150 (-) Land $46,578 Building $159,572	$589,000 Land $133,080 Building $455,920
2024	$12,288.00 (-2.21%)	$206,150 (-) Land $46,578 Building $159,572
2023	$12,566.00 (-0.94%)	$206,150 (+10.43%) Land $46,578 Building $159,572	$589,000 Land $133,080 Building $455,920
2022	$12,685.00 Homeowner's exemption	$186,683 Land $35,910 Building $150,773
2020			$533,380 Land $102,600 Building $430,780

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 631 Athens Ave in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 631 Athens Ave 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 464 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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