635 Elm Ln, Reading (Cincinnati), OH 45215 Property Records

Hamilton County property record for 635 Elm Ln, Reading, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,157 sqft · built 1948
Lot Size	0.132 acres (5,793 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Aug 2018)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Sep 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`671-0006-0231-00`

Property Details

APN / Parcel Number

Primary APN	`671-0006-0231-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,157 sqft Living Area
1st Floor Area	782 sqft
Attic	Attic
Attic Area	375 sqft
Basement Area	782 sqft
Finished Basement	150 sqft

Exterior

Year Built	Built 1948
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	5,793 sqft (0.132 acres)
Lot Dimensions	131 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	635 ELM LN
City	READING
State	OH
Zip	45215-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REAR ELM ST 41.75 X 131.99 IRR PT LOT 19 ALBERTS SUB
Legal Subdivision	ALBERTS SUB
Legal Lot Number	19
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	3
Census Block	3015
Census Tract	23201

Owner

Source: Hamilton County records, as of February 9, 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	Individual Name on Record
Mailing Address	635 ELM LN, READING, OH 45215-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Sep 21, 2018	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Dec 8, 2008 · Amount on Record
Deed Document Number	2018-0075403
Deed Book / Page	13740 / 00855
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 27, 2018
Property Address	635 ELM LN, READING, OH 45215-4715
Document Number	0000075403
Book / Page	13740 / 00855
Map Reference	MB 18 PG 16
Instrument Date	Aug 21, 2018
Instrument	2018-0075403
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 ELM LN, READING, OH 45215-4715

Mortgage

Document Number	0000075405
Date	Aug 27, 2018
Instrument	2018-0075405

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2033

September 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 21, 2018
Property Address	635 ELM LN, READING, OH 45215-4715
Document Number	0000084272
Book / Page	013758 / 000595
Instrument Date	Aug 21, 2018
Instrument	84272
Record Updated	Oct 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 ELM LN READING OH 452154715, READING, OH 45215-4715

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,611.00	$48,087 (-) Land $7,340 Building $40,747
2024	$2,611.00 (+0.19%)	$48,087 (-) Land $7,340 Building $40,747
2023	$2,606.00 (+1.64%)	$48,087 (+30.85%) Land $7,340 Building $40,747	$137,390 (+30.85%) Land $20,970 Building $116,420
2022	$2,564.00	$36,750 Land $5,901 Building $30,849
2020			$105,000 Land $16,860 Building $88,140

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	14 (1979–2020)
Claims Outside the SFHA	2 of 14
Most Recent Claim	May 2020 · river or lake flooding

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	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	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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