651 Derby Ave, Cincinnati, OH 45232 Property Records

Hamilton County property record for 651 Derby Ave, Cincinnati, OH 45232 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,237 sqft · built 1916
Lot Size	0.098 acres (4,312 sqft)
Owner	Individual Name on File
Last Sale	$66,000 (Mar 2009)
Tax Bill	$937 (2025)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`220-0059-0030-00`

Property Details

APN / Parcel Number

Primary APN	`220-0059-0030-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,237 sqft Living Area
1st Floor Area	606 sqft
2nd Floor Area	702 sqft
Upper Floors Area	631 sqft
Basement Area	606 sqft

Exterior

Year Built	Built 1916
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	4,312 sqft (0.098 acres)
Lot Dimensions	110 ft deep x 36 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	651 DERBY AVE
City	CINCINNATI
State	OH
Zip	45232-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	651 DERBY AVE 36.19 X 110.05 IR-LOT 11 MELLWOODSUB OF WINTON PLACE
Legal Subdivision	MELLWOOD SUB
Legal Lot Number	11
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2015
Census Tract	7300

Owner

Source: Hamilton County records · APN 220-0059-0030-00

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	651 DERBY AVE, CINCINNATI, OH 45232-1813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2009 · Amount on Record
Deed Sale	Mar 03, 2009 · Amount on Record
Prior Sale	Jul 01, 2008 · Amount on Record
Deed Document Number	177796
Deed Book / Page	11079 / 00892
Record Updated	Jun 08, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	651 DERBY AVE, CINCINNATI, OH 45232-1813
Document Number	0000106828
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	651 DERBY AVE CINCINNATI OH 452321813, CINCINNATI, OH 45232-1813

Mortgage

Document Number	0000106828
Date	Dec 04, 2019
Book Page	014056/000399
Instrument	106828

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 03, 2039

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 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

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	$937.00 (+2.29%) Homeowner's exemption	$35,497 (+%) Land $5,345 Building $30,152
2024	$916.00 (-12.09%) Homeowner's exemption	$35,496 (-) Land $5,344 Building $30,152
2023	$1,042.00 (-5.7%) Homeowner's exemption	$35,496 (+42.14%) Land $5,344 Building $30,152	$101,420 (+42.14%) Land $15,270 Building $86,150
2022	$1,105.00 Homeowner's exemption	$24,973 Land $4,970 Building $20,003
2020			$71,350 Land $14,200 Building $57,150

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 118 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Cincinnati Bell. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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