Hamilton County property record for 637 Elm Ln, Reading, OH 45215
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 964 sqft · built 1948 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $87,500 (Dec 2019) |
| Tax Bill | $1,709 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 671-0006-0232-00 |
| Primary APN | 671-0006-0232-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 964 sqft Living Area |
| 1st Floor Area | 964 sqft |
| Basement Area | 1,076 sqft |
| Year Built | Built 1948 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 129 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 637 ELM LN |
|---|---|
| City | READING |
| State | OH |
| Zip | 45215-4715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELM ST 52.01 X 129.69 IRRPT 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 |
637 Elm Ln is owned and occupied by an individual who bought it in December 2019.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 637 ELM ST, CINCINNATI, OH 45202-2338 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on File |
| Deed Sale | Dec 30, 2019 · Amount on File |
| Prior Sale | Aug 27, 2003 · Amount on File |
| Deed Document Number | 0000115441 |
| Deed Book / Page | 014073 / 002721 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 30, 2019 |
| Property Address | 637 ELM LN, READING, OH 45215-4715 |
| Document Number | 0000115441 |
| Book / Page | 014073 / 002721 |
| Instrument Date | Dec 26, 2019 |
| Instrument | 115441 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2020 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 637 ELM LN READING OH 452154715, READING, OH 45215-4715 |
| Document Number | 115442 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 002723/000016 |
| Instrument | 115442 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2049 |
The 2025 property tax bill for 637 Elm Ln was $1,709, up 2.3% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Reading City |
| Unified School District | Reading Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,709.00 (+2.27%) | $32,211 (-) Land $7,427 Building $24,784 | |
| 2024 | $1,671.00 (-1.42%) | $32,211 (-) Land $7,427 Building $24,784 | |
| 2023 | $1,695.00 (-18.47%) | $32,211 (+5.18%) Land $7,427 Building $24,784 | $92,030 Land $21,220 Building $70,810 |
| 2022 | $2,079.00 Homeowner's exemption | $30,625 Land $5,971 Building $24,654 | |
| 2020 | $87,500 Land $17,060 Building $70,440 |
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.
FEMA maps place 637 Elm Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
The area around 637 Elm Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
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.
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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