654 Fox Trails Way, Cincinnati, OH 45233 Property Records

Hamilton County property record for 654 Fox Trails Way, Cincinnati, OH 45233

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,314 sqft · built 2016
Lot Size	0.541 acres (23,575 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,953 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`540-0120-1016-00`

Property Details

APN / Parcel Number

Primary APN	`540-0120-1016-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,314 sqft Living Area
Gross Area	4,403 sqft
1st Floor Area	1,314 sqft
2nd Floor Area	1,300 sqft
Upper Floors Area	1,300 sqft
Basement Area	1,290 sqft
Finished Basement	700 sqft
Unfinished Basement	590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	23,575 sqft (0.541 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	654 FOX TRAILS WAY
City	CINCINNATI
State	OH
Zip	45233-1472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	FOX TRAILS WAY 0.5412 ACLOT 21 FOX TRAILS SUB
Legal Subdivision	FOX TRAILS SUB
Legal Lot Number	21
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	4
Census Block	4001
Census Tract	21302

Owner

Source: Hamilton County records, as of June 3, 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	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 19, 2023	Transfer on Death Deed, Transfer
Dec 20, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Aug 23, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2015
Deed Sale	Aug 13, 2015
Prior Sale	Jul 12, 2011 · Amount on Record
Deed Document Number	201585638
Deed Book / Page	12967 / 117
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072589
Date	Jun 14, 2021
Book Page	14438/1169
Instrument	2021-0072589

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012793
Date	Feb 27, 2024
Book Page	15111/1520
Instrument	2024-0012793

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2054

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 19, 2023
Property Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Document Number	0000004865
Book / Page	14835 / 626
Map Reference	MB 393 PG 1&2
Instrument Date	Jan 18, 2023
Instrument	2023-0004865
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Document Number	0000002798
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 FOX TRAILS WAY CINCINNATI OH 452331472, CINCINNATI, OH 45233-1472

Mortgage

Document Number	0000002798
Date	Jan 9, 2020
Book Page	014080/000705
Instrument	2798

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2050

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	654 FOX TRAILS WAY, CINCINNATI, OH 45233-1472
Document Number	0000080916
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 FOX TRAILS WAY CINCINNATI OH 452331472, CINCINNATI, OH 45233-1472

Mortgage

Document Number	0000080916
Date	Sep 12, 2018
Book Page	013751/001062
Instrument	80916

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Delhi Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,953.00 (+2.39%)	$184,321 (-) Land $29,400 Building $154,921	$526,630 (-) Land $84,000 Building $442,630
2024	$10,697.00 (-0.22%)	$184,321 (-) Land $29,400 Building $154,921
2023	$10,721.00 (+8.46%)	$184,321 (+21.91%) Land $29,400 Building $154,921	$526,630 (+21.91%) Land $84,000 Building $442,630
2022	$9,885.00 Homeowner's exemption	$151,197 Land $29,988 Building $121,209
2020			$431,990 Land $85,680 Building $346,310

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 168 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

May also be available: T-Mobile, Verizon.

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