639 Prospect Pl, Cincinnati, OH 45229 Property Records

Hamilton County property record for 639 Prospect Pl, Cincinnati, OH 45229

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,008 sqft · built 1988
Lot Size	0.998 acres (43,495 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Feb 2026)
Tax Bill	$1,705 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107-0008-0163-00`

Property Details

APN / Parcel Number

Primary APN	`107-0008-0163-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,008 sqft Living Area
Gross Area	1,504 sqft
1st Floor Area	496 sqft
2nd Floor Area	512 sqft
Basement Area	496 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	43,495 sqft (0.998 acres)
Lot Width	19 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	639 PROSPECT PL
City	CINCINNATI
State	OH
Zip	45229-2991
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 639 5.797 % READING GREEN CONDOMINIUM
Legal Subdivision	READING GREEN CONDOMINIUM
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1004
Census Tract	27000

Owner

639 Prospect Pl, a condominium, is owned and occupied by an individual who bought it in February 2026.

Source: Hamilton County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	639 PROSPECT PL, CINCINNATI, OH 45229-2991
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Warranty Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC
Jul 10, 2020	Warranty Deed, Transfer · Conventional with PMI COMMONWEALTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2026 · Amount on File
Deed Sale	Feb 18, 2026 · Amount on File
Prior Sale	Jul 10, 2020 · Amount on File
Deed Document Number	202612106
Deed Book / Page	15605 / 1741
Prior Transfer Date	May 7, 2014
Prior Transfer Doc	0000000913
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 18, 2026
Property Address	639 PROSPECT PL, CINCINNATI, OH 45229-2991
Document Number	0000012106
Book / Page	15605 / 1741
Map Reference	MB 5007 PG 108
Instrument Date	Feb 12, 2026
Instrument	2026-0012106
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	LTOC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 PROSPECT PL, CINCINNATI, OH 45229-2991

Mortgage

Document Number	0000012107
Date	Feb 18, 2026
Instrument	2026-0012107

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	253 Months
Due	Mar 1, 2047

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 10, 2020
Property Address	639 PROSPECT PL, CINCINNATI, OH 45229-2991
Document Number	0000066351
Book / Page	014207 / 001953
Instrument Date	Jun 4, 2020
Instrument	66351
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	639 PROSPECT PL CINCINNATI OH 452292991, CINCINNATI, OH 45229-2991

Mortgage

Document Number	66352
Date	Jul 10, 2020
Book Page	014207/001955
Instrument	66352

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 639 Prospect Pl was $1,705, 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	$1,705.00 (+3.15%)	$27,650 (-) Land $6,160 Building $21,490	$79,000 Land $17,600 Building $61,400
2024	$1,653.00 (-2.19%)	$27,650 (-) Land $6,160 Building $21,490
2023	$1,690.00 (+13.73%)	$27,650 (+26.82%) Land $6,160 Building $21,490	$79,000 Land $17,600 Building $61,400
2022	$1,486.00 Homeowner's exemption	$21,802 Land $2,842 Building $18,960
2020			$62,290 Land $8,120 Building $54,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 639 Prospect Pl in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 639 Prospect Pl 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.

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 406 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, T-Mobile.

Nearby Properties on Prospect Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures