6401 Hamilton Ave, Cincinnati, OH 45224 Property Records

Hamilton County property record for 6401 Hamilton Ave, Cincinnati, OH 45224

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,804 sqft · built 1935
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2026)
Tax Bill	$6,572 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`246-0004-0030-00`

Property Details

APN / Parcel Number

Primary APN	`246-0004-0030-00`
Alternative APN	`122704344`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,804 sqft Living Area
Gross Area	3,657 sqft
1st Floor Area	1,253 sqft
2nd Floor Area	1,151 sqft
Basement Area	1,253 sqft
Finished Basement	400 sqft
Unfinished Basement	853 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	210 ft deep x 317 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	156 sqft
Deck Area	Deck Area
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	6401 HAMILTON AVE
City	CINCINNATI
State	OH
Zip	45224-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	HAMILTON AVE106.85 X 210.94 IRRPARS 30-34-37-65 CONS
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1005
Census Tract	8201

Owner

6401 Hamilton Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Hamilton County records, as of June 30, 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	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Jan 16, 2026	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jul 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FINANCIAL BANK
Mar 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Dec 6, 2013 · Amount on File
Deed Document Number	20264088
Deed Book / Page	15584 / 618
Prior Transfer Date	Jan 2, 2025
Prior Transfer Doc	0000001933
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073736
Date	Oct 18, 2024
Book Page	15275/244
Instrument	2024-0073736

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 16, 2026
Property Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Document Number	0000004088
Book / Page	15584 / 618
Instrument Date	Jan 16, 2026
Instrument	2026-0004088
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012

Mortgage

Document Number	0000004089
Date	Jan 16, 2026
Instrument	2026-0004089

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009779
Date	Feb 1, 2017
Instrument	17-0009779

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060239
Date	Jul 24, 2019
Book Page	13965/02594
Instrument	2019-0060239

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	118 Months
Due	May 28, 2029

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Mar 15, 2021
Property Address	6401 HAMILTON AVE, CINCINNATI, OH 45224-2012
Document Number	0000032614
Book / Page	14374 / 2920
Instrument Date	Mar 1, 2021
Instrument	2021-0032614
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-3314

Mortgage

Document Number	0000032615
Date	Mar 15, 2021
Book Page	14374/2923
Instrument	2021-0032615

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 6401 Hamilton Ave was $6,572, up 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	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,572.00 (+2.98%)	$101,613 (+%) Land $19,212 Building $82,401	$290,320 Land $54,890 Building $235,430
2024	$6,382.00 (-2.1%)	$101,611 (-) Land $19,211 Building $82,400
2023	$6,519.00 (+56.74%)	$101,611 (+80.15%) Land $19,211 Building $82,400	$290,320 Land $54,890 Building $235,430
2022	$4,159.00 Homeowner's exemption	$56,403 Land $22,078 Building $34,325
2020			$161,150 Land $63,080 Building $98,070

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 6401 Hamilton Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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
Nearby Flood Claims	2 (2011–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2017 · rainfall accumulation

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 6401 Hamilton 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	Direct burnable vegetation

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 611 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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