6539 Graf Dr, Cincinnati, OH 45230 Property Records

Hamilton County property record for 6539 Graf Dr, Cincinnati, OH 45230

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,129 sqft · built 1950
Lot Size	0.136 acres (5,924 sqft)
Owner	Individual Name on File
Last Sale	$107,000 (Oct 2017)
Tax Bill	$2,624 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-0001-0110-00`

Property Details

APN / Parcel Number

Primary APN	`001-0001-0110-00`
Alternative APN	`17493335`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,129 sqft Living Area
1st Floor Area	1,129 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,924 sqft (0.136 acres)
Lot Dimensions	107 ft deep x 54 ft wide
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	6539 GRAF DR
City	CINCINNATI
State	OH
Zip	45230-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	GRAF DR 54 X 107.41 IRR SUR 618
Legal Subdivision	RAINBOW HILL
Legal Lot Number	31
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3002
Census Tract	4604

Owner

6539 Graf Dr is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	6539 GRAF DR, CINCINNATI, OH 45230-1417
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 31, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Prior Sale	Dec 16, 2009
Deed Document Number	201799959
Prior Transfer Date	Nov 7, 2009
Prior Transfer Doc	0000000093
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6539 GRAF DR, CINCINNATI, OH 45230-1417
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6539 GRAF DR, CINCINNATI, OH 45230-1417

Mortgage

Document Number	0000099735
Date	Dec 22, 2025
Book Page	15567/250
Instrument	2025-0099735

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 20, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 31, 2017
Property Address	6539 GRAF DR, CINCINNATI, OH 45230-1417
Document Number	0000009959
Instrument Date	Oct 26, 2017
Instrument	17-0099959
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6539 GRAF DR, CINCINNATI, OH 45230-1417

Mortgage

Document Number	0000009961
Date	Oct 31, 2017
Instrument	17-0099961

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6539 Graf Dr was $2,624, down 4.2% 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	$2,624.00 (-4.16%)	$42,431 (-) Land $8,733 Building $33,698	$121,230 Land $24,950 Building $96,280
2024	$2,738.00 (-2.04%)	$42,431 (-) Land $8,733 Building $33,698
2023	$2,795.00 (+1.53%)	$42,431 (+13.3%) Land $8,733 Building $33,698	$121,230 Land $24,950 Building $96,280
2022	$2,753.00 Homeowner's exemption	$37,451 Land $6,192 Building $31,259
2020			$107,000 Land $17,690 Building $89,310

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.

Flood

FEMA maps place 6539 Graf Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 6539 Graf Dr is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 345 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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