7481 Stephen St, Maineville, OH 45039 Property Records

Warren County property record for 7481 Stephen St, Maineville, OH 45039

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,672 sqft · built 1964
Lot Size	0.573 acres (25,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-04-151-019-0`

Property Details

APN / Parcel Number

Primary APN	`16-04-151-019-0`
Alternative APNs	`1604151019` `2801744`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,352 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Exterior Material	Brick/Stone
Construction Type	Brick
Foundation Type	Block
Lot Area	25,000 sqft (0.573 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil

Location & Zoning

Account Number	2801744
Old Parcel Number	1604151019
Street Address	7481 STEPHEN ST
City	MAINEVILLE
State	OH
Zip	45039-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAN MAR 2 LOT# 90
Legal Subdivision	RAN MAR 2
Legal Block	151
Legal Lot Number	90
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1037
Census Tract	32203

Owner

Source: Warren County records, as of February 20, 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	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2020	Deed of Trust, Mortgage · FHA Mortgage VANDYK MTG
Nov 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Apr 27, 2006
Last Transfer Date	Nov 2, 2018
Transfer Doc	0000031657
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Transaction Type	Mortgage
Record Updated	Jul 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020138
Date	Jun 16, 2022
Instrument	2022-020138

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057336
Date	Dec 23, 2021
Instrument	2021-057336

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jun 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021017615
Date	Apr 15, 2021
Instrument	2021-017615

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Document Number	0000008790
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7481 STEPHEN ST MAINEVILLE OH 450399659, MAINEVILLE, OH 45039-9659

Mortgage

Document Number	0000008790
Date	Mar 16, 2020
Instrument	8790

Lender

Name	VANDYK MTG
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN OH
Recording Date	Nov 2, 2018
Property Address	7481 STEPHEN ST, MAINEVILLE, OH 45039-9659
Document Number	0000031657
Instrument Date	Nov 2, 2018
Instrument	31657
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7481 STEPHEN ST MAINEVILLE OH 450399659, MAINEVILLE, OH 45039-9659

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Hamilton Township
Unified School District	Kings Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,589.00 (+6.25%)	$71,124 (+20.3%) Land $18,900 Building $52,224	$203,210 (+20.3%) Land $54,000 Building $149,210
2023	$3,378.00 (+1.5%) Homeowner's exemption	$59,122 (-) Land $12,915 Building $46,207
2022	$3,328.00 Homeowner's exemption	$59,122 Land $12,915 Building $46,207	$168,920 (-) Land $36,900 Building $132,020
2021			$168,920 Land $36,900 Building $132,020

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 June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	WARREN COUNTY serves 99,000 people · EPA ID OH8301512
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 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	2 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 134 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

May also be available: Verizon.

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