644 Overlook Ave, Cincinnati, OH 45238 Property Records

Hamilton County property record for 644 Overlook Ave, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,821 sqft · built 1952
Lot Size	0.134 acres (5,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Oct 2023)
Tax Bill	$2,489 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-0A81-0192-00`

Property Details

APN / Parcel Number

Primary APN	`180-0A81-0192-00`
Alternative APN	`0092242`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	825 sqft
Attic	Attic
Attic Area	396 sqft
Basement Area	825 sqft
Finished Basement	600 sqft
Unfinished Basement	225 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	120 ft deep x 51 ft wide
Porch	Open Frame Porch
Porch Area	70 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	644 OVERLOOK AVE
City	CINCINNATI
State	OH
Zip	45238-4920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	OVERLOOK AVE 50.62 X 120.37 IRR LOT 7 MAR CAROL SUB
Legal Subdivision	MAR CAROL SUB
Legal Lot Number	7
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1004
Census Tract	9902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	644 OVERLOOK AVE, CINCINNATI, OH 45238-4920
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 15, 2023	Warranty Deed, Transfer · Commercial Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Feb 15, 2023 · Amount on Record
Deed Document Number	202374668
Deed Book / Page	15025 / 908
Prior Transfer Date	Dec 17, 1999
Prior Transfer Doc	0081560811
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 19, 2023
Property Address	644 OVERLOOK AVE, CINCINNATI, OH 45238-4920
Document Number	0000074668
Book / Page	15025 / 908
Map Reference	MB 57 PG 35
Instrument Date	Oct 17, 2023
Instrument	2023-0074668
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
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	644 OVERLOOK AVE, CINCINNATI, OH 45238-4920
Investor	Possibly a Property Investor

Mortgage

Document Number	0000074669
Date	Oct 19, 2023
Instrument	2023-0074669

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0000074670
Date	Oct 19, 2023
Book Page	15025/925
Instrument	2023-0074670

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	CINCINNATI, OH 45238

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 15, 2023
Property Address	644 OVERLOOK AVE, CINCINNATI, OH 45238-4920
Document Number	0000011098
Book / Page	14854 / 1324
Map Reference	MB 57 PG 35
Instrument Date	Feb 13, 2023
Instrument	2023-0011098
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$50.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 INDIAN VIEW DR, LOVELAND, OH 45140-8816

Mortgage

Document Number	0000011099
Date	Feb 15, 2023
Instrument	2023-0011099

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

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	$2,489.00 (+3.15%)	$40,254 (-) Land $5,390 Building $34,864	$115,010 (-) Land $15,400 Building $99,610
2024	$2,413.00 (-2.23%)	$40,254 (-) Land $5,390 Building $34,864
2023	$2,468.00 (+35.31%)	$40,254 (+51.15%) Land $5,390 Building $34,864	$115,010 (+51.15%) Land $15,400 Building $99,610
2022	$1,824.00 Homeowner's exemption	$26,632 Land $5,390 Building $21,242
2020			$76,090 Land $15,400 Building $60,690

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

Flood

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

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	None beyond 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 625 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	1,000 / 1,000

May also be available: Verizon.

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