735 Oak St, Cincinnati, OH 45206 Property Records

Hamilton County property record for 735 Oak St, Cincinnati, OH 45206

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 2 ba · 2,930 sqft · built 1911
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Dec 2023)
Tax Bill	$2,751 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`070-0002-0138-00`

Property Details

APN / Parcel Number

Primary APN	`070-0002-0138-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,930 sqft Living Area
Gross Area	4,055 sqft
1st Floor Area	1,305 sqft
2nd Floor Area	1,098 sqft
Attic	Attic
Attic Area	527 sqft
Basement Area	1,125 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	735 OAK ST
City	CINCINNATI
State	OH
Zip	45206-1643
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	735 OAK ST 50 X 100 PT LOTS 22-23 P H KEMPERSSUB PARS 138-139 CONS
Legal Subdivision	P H KEMPERS SUB
Legal Lot Number	22-23
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2006
Census Tract	26700

Owner

Source: Hamilton County records, as of May 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	735 OAK ST, CINCINNATI, OH 45206-1643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Commercial Mortgage LOAN FUNDER LLC
Dec 15, 2023	Warranty Deed, Transfer · FHA Mortgage UMORTGAGE LLC
Dec 15, 2020	Warranty Deed, Construction Loan · Line of Credit OPTIMUS CAP INC
Feb 15, 2019	Warranty Deed, Transfer PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Document Number	202387924
Deed Book / Page	15063 / 452
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	735 OAK ST, CINCINNATI, OH 45206-1643
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7737 LAUREL AVE, CINCINNATI, OH 45243-7500

Mortgage

Document Number	0000126561
Date	Oct 19, 2021
Book Page	14526/1466
Instrument	2021-0126561

Lender

Name	LOAN FUNDER LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10022

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 15, 2023
Property Address	735 OAK ST, CINCINNATI, OH 45206-1643
Document Number	0000087924
Book / Page	15063 / 452
Map Reference	MB 14 PG 460
Instrument Date	Dec 11, 2023
Instrument	2023-0087924
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735 OAK ST, CINCINNATI, OH 45206-1643

Mortgage

Document Number	0000087925
Date	Dec 15, 2023
Instrument	2023-0087925

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 15, 2020
Property Address	735 OAK ST, CINCINNATI, OH 45206-1643
Document Number	0000131655
Book / Page	014315 / 001089
Instrument Date	Nov 20, 2020
Instrument	131655
Transaction Type	Construction Loan
Record Updated	Feb 23, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	735 OAK ST CINCINNATI OH 452061643, CINCINNATI, OH 45206-1643

Mortgage

Document Number	131658
Date	Dec 15, 2020
Book Page	014315/001091
Instrument	131658

Lender

Name	OPTIMUS CAP INC
Address	FAIR OAKS, CA 95628

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 14, 2021

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 15, 2019
Property Address	735 OAK ST, CINCINNATI, OH 45206-1643
Document Number	0000012173
Book / Page	013856 / 000819
Instrument Date	Feb 11, 2019
Instrument	12173
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	735 OAK ST CINCINNATI OH 452061643, CINCINNATI, OH 45206-1643

Tax Assessment & Valuation

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	$2,751.00 (+1.33%)	$43,750 (-) Land $5,376 Building $38,374	$125,000 (-) Land $15,360 Building $109,640
2024	$2,715.00 (-2.51%)	$43,750 (-) Land $5,376 Building $38,374
2023	$2,785.00 (+114.89%)	$43,750 (+140.37%) Land $5,376 Building $38,374	$125,000 (+140.38%) Land $15,360 Building $109,640
2022	$1,296.00	$18,201 Land $3,252 Building $14,949
2020			$52,000 Land $9,290 Building $42,710

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

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 99.1% of the US · lower than 96% 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 331 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, Xiber.

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