Hamilton County property record for 649 Derby Ave, Cincinnati, OH 45232 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1915 |
| Square Footage | 1,246 sqft Living Area |
| Lot Size | 4,487 sqft (0.103 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $166,000 (2025) |
| Tax Bill | $2,088.00 (2025) |
| Primary APN | 220-0059-0029-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,246 sqft Living Area |
| 1st Floor | 708 sqft 1st Floor |
| 2nd Floor | 538 sqft 2nd Floor |
| Upper Floors | 538 sqft Upper Floors |
| Basement Area | 672 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 4,487 sqft (0.103 acres) |
| Depth X Width | 110 ft x 146 ft Depth x Width |
| Garage Type | Detached Garage |
| Garage Area | 180 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 154 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 649 DERBY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45232-1813 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 649 DERBY AVE 36.19 X 110IRR LOT 12 MELLWOOD SUB OF WINTON PLACE |
| Legal Subdivision | MELLWOOD SUB |
| Legal Lot Number | 12 |
| Jurisdiction | HAMILTON OH |
| Minor Civil Division | CINCINNATI |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 7300 |
Source: Hamilton County records · APN 220-0059-0029-00
Assessment roll updated March 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Nov 05, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PRIMELENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 05, 2025 · Amount on Record |
| Deed Sale | Nov 05, 2025 · Amount on Record |
| Prior Sale | Sep 25, 2014 · Amount on Record |
| Deed Doc Number | 0000086231 |
| Deed Book / Page | 15537 / 807 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Title Company | WESBANCO TITLE AGENCY LLC, WESBANCO TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Document Number | 0000072678 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | 15504/770 |
| Instrument | 2025-0072678 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | ALEXANDRIA, KY 41001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 17, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 05, 2025 |
| Property Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Document Number | 0000086231 |
| Book / Page | 15537 / 807 |
| Map Reference | MB 23 PG 15 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025-0086231 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | COLUMBIA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 649 DERBY AVE, CINCINNATI, OH 45232-1813 |
| Document Number | 0000086232 |
|---|---|
| Date | Nov 05, 2025 |
| Instrument | 2025-0086232 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Number | 0000086233 |
|---|---|
| Date | Nov 05, 2025 |
| Book Page | 15537/833 |
| Instrument | 2025-0086233 |
| Name | PRIME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, OH 45373 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,088.00 (+3.06%) | $33,275 (-) Land $5,345 Building $27,930 | |
| 2024 | $2,026.00 (-2.13%) | $33,275 (-) Land $5,345 Building $27,930 | |
| 2023 | $2,070.00 (+28.25%) | $33,275 (+43.94%) Land $5,345 Building $27,930 | $95,070 (+43.94%) Land $15,270 Building $79,800 |
| 2022 | $1,614.00 Homeowner's exemption | $23,118 Land $4,970 Building $18,148 | |
| 2020 | $66,050 Land $14,200 Building $51,850 |
649 Derby Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Hamilton County (39061C), updated December 22, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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