Hamilton County property record for 649 Watch Point Dr, Cincinnati, OH 45230
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 6,233 sqft · built 1989 |
| Lot Size | 0.992 acres (43,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $705,000 (Aug 2019) |
| Tax Bill | $22,171 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 500-0331-0124-00 |
| Primary APN | 500-0331-0124-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 6,233 sqft Living Area |
| Gross Area | 7,337 sqft |
| 1st Floor Area | 2,261 sqft |
| 2nd Floor Area | 1,912 sqft |
| Basement Area | 2,261 sqft |
| Finished Basement | 2,060 sqft |
| Unfinished Basement | 201 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 43,212 sqft (0.992 acres) |
| Lot Dimensions | 200 ft deep x 132 ft wide |
| Garage Type | Attached |
| Garage Area | 903 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 210 sqft |
| Patio Area | 1,104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 649 WATCH POINT DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45230-3735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATCH POINT DR-SPYGLASSRIDGE DR 132.06 X 200 FT IRR LOT 1 WATCH POINT WOODS SUB BL A |
| Legal Subdivision | WATCH POINT WOODS SUB |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ANDERSON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 25002 |
Source: Hamilton County records · APN 500-0331-0124-00
Assessment roll updated January 21, 2026 · Last verified April 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 |
|---|---|
| Mailing Address | 649 WATCH POINT DR, CINCINNATI, OH 45230-3735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Aug 08, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 08, 2019 · Amount on Record |
| Deed Sale | Aug 08, 2019 · Amount on Record |
| Prior Sale | Dec 03, 1996 · Amount on Record |
| Deed Document Number | 201965337 |
| Deed Book / Page | 13976 / 1556 |
| Prior Transfer Date | Nov 22, 2010 |
| Prior Transfer Doc | 0000000264 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 649 WATCH POINT DR, CINCINNATI, OH 45230-3735 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000036779 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 14381/509 |
| Instrument | 2021-0036779 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 08, 2019 |
| Property Address | 649 WATCH POINT DR, CINCINNATI, OH 45230-3735 |
| Document Number | 0000065337 |
| Book / Page | 13976 / 01556 |
| Map Reference | MB 59 PG 10-13 |
| Instrument Date | Aug 02, 2019 |
| Instrument | 2019-0065337 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,820.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 649 WATCH POINT DR, CINCINNATI, OH 45230-3735 |
| Document Number | 0000065338 |
|---|---|
| Date | Aug 08, 2019 |
| Instrument | 2019-0065338 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Anderson Township |
| Unified School District | Forest Hills Local School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $22,171.00 (+2.91%) | $354,960 (-) Land $30,380 Building $324,580 | $1,014,170 (-) Land $86,800 Building $927,370 |
| 2024 | $21,545.00 (+5.13%) | $354,960 (-) Land $30,380 Building $324,580 | |
| 2023 | $20,493.00 (+28.09%) | $354,960 (+43.85%) Land $30,380 Building $324,580 | $1,014,170 (+43.85%) Land $86,800 Building $927,370 |
| 2022 | $15,999.00 Homeowner's exemption | $246,751 Land $27,465 Building $219,286 | |
| 2020 | $705,000 Land $78,470 Building $626,530 |
Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390610250023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1994 · river or lake flooding |
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 93 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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