706 Elm St, Cincinnati, OH 45202 Property Records

Hamilton County property record for 706 Elm St, Cincinnati, OH 45202

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 584 sqft · built 1951
Lot Size	0.062 acres (2,701 sqft)
Owner	Company Name on Record
Last Sale	$91,000 (Oct 2024)
Tax Bill	$895 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`671-0006-0245-00`

Property Details

APN / Parcel Number

Primary APN	`671-0006-0245-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	584 sqft Living Area
1st Floor Area	584 sqft
Basement Area	584 sqft

Exterior

Year Built	Built 1951
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,701 sqft (0.062 acres)
Lot Dimensions	80 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	706 ELM ST
City	CINCINNATI
State	OH
Zip	45202-1954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REAR ELM ST 34.50 X 80 IRR PT LOT 315 OLIVERS 2ND SUB
Legal Subdivision	OLIVERS 2ND SUB
Legal Lot Number	315
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	3
Census Block	3021
Census Tract	23201

Owner

Source: Hamilton County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4704 WHETSEL AVE, CINCINNATI, OH 45227-2300
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Oct 7, 2025	Intrafamily Transfer, Transfer
Oct 30, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Prior Sale	Oct 30, 2024 · Amount on Record
Deed Document Number	0000077285
Deed Book / Page	15283 / 1239
Last Transfer Date	Oct 7, 2025
Transfer Doc	0000077838
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	706 ELM ST, CINCINNATI, OH 45202-1954
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 WHETSEL AVE, CINCINNATI, OH 45227-2300

Mortgage

Document Number	0000082348
Date	Oct 22, 2025
Book Page	15527/1669
Instrument	2025-0082348

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 22, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Oct 7, 2025
Property Address	706 ELM ST, CINCINNATI, OH 45202-1954
Document Number	0000077838
Book / Page	15516 / 1330
Instrument Date	Oct 7, 2025
Instrument	2025-0077838
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 WHETSEL AVE, CINCINNATI, OH 45227-2300

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 30, 2024
Property Address	706 ELM ST, CINCINNATI, OH 45202-1954
Document Number	0000077285
Book / Page	15283 / 1239
Map Reference	MB 1 PG 256&257
Instrument Date	Oct 25, 2024
Instrument	2024-0077285
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$91.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4707 WHETSEL AVE, CINCINNATI, OH 45227-2325

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$895.00 (+4.8%)	$16,499 (-) Land $5,222 Building $11,277
2024	$854.00 (-1.39%)	$16,499 (-) Land $5,222 Building $11,277
2023	$866.00 (-5.77%)	$16,499 (+27.78%) Land $5,222 Building $11,277	$47,140 (+27.79%) Land $14,920 Building $32,220
2022	$919.00 Homeowner's exemption	$12,912 Land $4,200 Building $8,712
2020			$36,890 Land $12,000 Building $24,890

Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	14 (1979–2020)
Claims Outside the SFHA	2 of 14
Most Recent Claim	May 2020 · river or lake flooding

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	Not rated no burnable land within 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	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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