640 Harmes Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 640 Harmes Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,436 sqft · built 1923
Lot Size	0.151 acres (6,578 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Jul 2023)
Tax Bill	$2,272 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`671-0006-0110-00`

Property Details

APN / Parcel Number

Primary APN	`671-0006-0110-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
Gross Area	3,128 sqft
1st Floor Area	1,436 sqft
Basement Area	1,692 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	292 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	640 HARMES AVE
City	CINCINNATI
State	OH
Zip	45215-4717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	640 HARMES ST 60 X 110 LOT 14 PT 13 ALBERT SUB
Legal Subdivision	ALBERT SUB
Legal Lot Number	14
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	3
Census Block	3026
Census Tract	23201

Owner

640 Harmes Ave is owned by an individual who bought it in July 2023.

Source: Hamilton County records, as of August 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573
Owner Type	Individual
Vesting	Remainderman

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
Jul 8, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 19, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Nov 20, 2015 · Amount on File
Deed Document Number	202349904
Deed Book / Page	14960 / 1339
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jul 8, 2026
Property Address	640 HARMES AVE, CINCINNATI, OH 45215-4717
Document Number	0000054869
Book / Page	15702 / 1904
Instrument Date	Jun 29, 2026
Instrument	202654869
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 HARMES AVE, CINCINNATI, OH 45215-4717

Mortgage

Document Number	0000054869,
Date	Jul 8, 2026
Book Page	15702/1904
Instrument	202654869

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 19, 2023
Property Address	640 HARMES AVE, CINCINNATI, OH 45215-4717
Document Number	0000049904
Book / Page	14960 / 1339
Map Reference	MB 18 PG 16
Instrument Date	Jul 14, 2023
Instrument	2023-0049904
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573

Mortgage

Document Number	0000049905
Date	Jul 19, 2023
Instrument	2023-0049905

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 640 Harmes Ave was $2,272, up 2.3% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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	$2,272.00 (+2.3%)	$42,826 (-) Land $9,611 Building $33,215	$122,360 Land $27,460 Building $94,900
2024	$2,221.00 (-1.42%)	$42,826 (-) Land $9,611 Building $33,215
2023	$2,253.00 (-0.09%)	$42,826 (+35.35%) Land $9,611 Building $33,215	$122,360 Land $27,460 Building $94,900
2022	$2,255.00 Homeowner's exemption	$31,640 Land $7,728 Building $23,912
2020			$90,400 Land $22,080 Building $68,320

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 640 Harmes Ave 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.

Wildfire

The area around 640 Harmes Ave 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	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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