Hamilton County property record for 686 W Kemper Rd, Cincinnati, OH 45246
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,346 sqft · built 1926 |
| Lot Size | 0.994 acres (43,299 sqft) |
| Owner | Owner Name on File |
| Last Sale | $115,000 (Mar 2006) |
| Tax Bill | $2,593 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 599-0052-0298-00 |
| Primary APN | 599-0052-0298-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,346 sqft Living Area |
| 1st Floor Area | 748 sqft |
| 2nd Floor Area | 748 sqft |
| Upper Floors Area | 598 sqft |
| Basement Area | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 43,299 sqft (0.994 acres) |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Porch | Porch |
| Porch Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 686 W KEMPER RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45246-2145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BANKLICK RD 1.00 AC LOT 10 CLOVERDALE FARM ALLOT 2 |
| Legal Subdivision | CLOVERDALE FARM |
| Legal Lot Number | 10 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGDALE |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 21501 |
The current owner of 686 W Kemper Rd bought it in March 2006.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 686 W KEMPER RD, CINCINNATI, OH 45246-2145 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Oct 25, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2006 · Amount on File |
| Deed Sale | Mar 27, 2006 · Amount on File |
| Prior Sale | Feb 11, 1997 |
| Deed Document Number | 06-045350 |
| Deed Book / Page | 10201 / 00307 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 686 W KEMPER RD, CINCINNATI, OH 45246-2145 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 686 W KEMPER RD, CINCINNATI, OH 45246-2145 |
| Document Number | 0000093024 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 14764/113 |
| Instrument | 2022-0093024 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 6, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 686 W KEMPER RD, CINCINNATI, OH 45246-2145 |
| Document Number | 0000103337 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 686 W KEMPER RD CINCINNATI OH 452462145, CINCINNATI, OH 45246-2145 |
| Document Number | 0000103337 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 014049/002717 |
| Instrument | 103337 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 20, 2034 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 686 W Kemper Rd was $2,593, up 16.3% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Springdale City |
| Unified School District | Princeton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,593.00 (+16.28%) | $51,681 (-) Land $17,220 Building $34,461 | |
| 2024 | $2,230.00 (-0.18%) | $51,681 (-) Land $17,220 Building $34,461 | |
| 2023 | $2,234.00 (+4.1%) | $51,681 (+27.93%) Land $17,220 Building $34,461 | $147,660 Land $49,200 Building $98,460 |
| 2022 | $2,146.00 Homeowner's exemption | $40,397 Land $22,386 Building $18,011 | |
| 2020 | $115,420 Land $63,960 Building $51,460 |
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.
FEMA maps place 686 W Kemper Rd in Zone X, an area of minimal flood risk.
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 risk around 686 W Kemper Rd is low, with less than 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 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 556 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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