6945 Fair Oaks Dr, Cincinnati, OH 45237 Property Records

Hamilton County property record for 6945 Fair Oaks Dr, Cincinnati, OH 45237

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,786 sqft · built 1938
Lot Size	1.91 acres (83,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jun 2018)
Tax Bill	$19,273 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`526-0070-0005-00`

Property Details

APN / Parcel Number

Primary APN	`526-0070-0005-00`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,786 sqft Living Area
Gross Area	9,774 sqft
1st Floor Area	2,798 sqft
2nd Floor Area	2,288 sqft
Upper Floors Area	442 sqft
Attic	Attic
Attic Area	1,504 sqft
Basement Area	1,774 sqft
Finished Basement	700 sqft
Unfinished Basement	1,074 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	83,200 sqft (1.91 acres)
Garage Type	Attached
Garage Area	1,410 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Frame Porch
Porch Area	280 sqft
Patio Area	595 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	6945 FAIR OAKS DR
City	CINCINNATI
State	OH
Zip	45237-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION AV 1.91 AC NS SECTION RD 1238.50 FT W OF E SEC LINE
Jurisdiction	HAMILTON OH
Township / Civil Division	AMBERLEY
Census Block Group	3
Census Block	3003
Census Tract	23300

Owner

Source: Hamilton County records, as of January 21, 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	6945 FAIR OAKS DR, CINCINNATI, OH 45237-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 18, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Mar 6, 2002 · Amount on Record
Deed Document Number	201854047
Prior Transfer Date	Aug 22, 2006
Prior Transfer Doc	0000000036
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6945 FAIR OAKS DR, CINCINNATI, OH 45237-2915
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007860
Date	Apr 5, 2018
Instrument	18-0027860

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6945 FAIR OAKS DR, CINCINNATI, OH 45237-2915
Document Number	0000033622
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6945 FAIR OAKS DR CINCINNATI OH 452372915, CINCINNATI, OH 45237-2915

Mortgage

Document Number	0000033622
Date	Apr 10, 2020
Book Page	014144/000480
Instrument	33622

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6945 FAIR OAKS DR, CINCINNATI, OH 45237-2915
Document Number	0000083051
Instrument Date	Sep 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6945 FAIR OAKS DR CINCINNATI OH 452372915, CINCINNATI, OH 45237-2915

Mortgage

Document Number	0000083051
Date	Sep 26, 2019
Book Page	014010/001124
Instrument	83051

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 25, 2018
Property Address	6945 FAIR OAKS DR, CINCINNATI, OH 45237-2915
Document Number	0000054047
Book / Page	013696 / 001303
Instrument Date	Jun 18, 2018
Instrument	54047
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6945 FAIR OAKS DR CINCINNATI OH 452372915, CINCINNATI, OH 45237-2915

Mortgage

Document Number	54048
Date	Jun 25, 2018
Book Page	013696/001305
Instrument	54048

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Amberley Village
County	Hamilton County
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,273.00 (+2.88%)	$318,665 (-) Land $46,207 Building $272,458	$910,470 (-) Land $132,020 Building $778,450
2024	$18,733.00 (-2.02%)	$318,665 (-) Land $46,207 Building $272,458
2023	$19,120.00 (+5.53%)	$318,665 (+21.75%) Land $46,207 Building $272,458	$910,470 (+21.75%) Land $132,020 Building $778,450
2022	$18,118.00 Homeowner's exemption	$261,738 Land $43,271 Building $218,467
2020			$747,820 Land $123,630 Building $624,190

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	18 (1979–2019)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Feb 2019 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 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 140 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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