7499 Stephen St, Maineville, OH 45039 Property Records

Warren County property record for 7499 Stephen St, Maineville, OH 45039

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1964
Lot Size	0.575 acres (25,000 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2025)
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-04-151-020-0`

Property Details

APN / Parcel Number

Primary APN	`16-04-151-020-0`
Alternative APNs	`1604151020` `2801213`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	936 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick/Stone
Construction Type	Brick
Lot Area	25,000 sqft (0.575 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	80 sqft
Deck Area	741 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2801213
Street Address	7499 STEPHEN ST
City	MAINEVILLE
State	OH
Zip	45039-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAN MAR 2 LOT 91
Legal Subdivision	RAN MAR 2
Legal Block	213
Legal Lot Number	91
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1037
Census Tract	32203

Owner

Source: Warren County records, as of September 14, 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	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Feb 4, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 4, 2025	Warranty Deed, Transfer GARY LESSIS IRA 418134

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Jul 15, 2004 · Amount on Record
Deed Document Number	202527941
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000025015
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN OH
Recording Date	Sep 2, 2026
Property Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659
Document Number	0000025015
Instrument Date	Aug 27, 2026
Instrument	202625015
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$50.50
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659

Mortgage

Document Number	0000025016,
Date	Sep 2, 2026
Instrument	202625016

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659

Mortgage

Document Number	0000002379
Date	Feb 4, 2025
Instrument	2025-002379

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 12, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Nov 4, 2025
Property Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659
Document Number	0000027941
Map Reference	MB 5 PG 18
Instrument Date	Oct 31, 2025
Instrument	2025-027941
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AHTA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7499 STEPHEN ST, MAINEVILLE, OH 45039-9659

Mortgage

Document Number	0000027942
Date	Nov 4, 2025
Instrument	2025-027942

Lender

Name	GARY LESSIS IRA 418134
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Nov 1, 2028

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

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	$2,285.00 (-2.64%)	$55,330 (%) Land $18,900 Building $36,430	$158,090 (-) Land $54,000 Building $104,090
2024	$2,347.00 (+12.3%)	$55,332 (+22.35%) Land $18,900 Building $36,432	$158,090 (+22.35%) Land $54,000 Building $104,090
2023	$2,090.00 (-19.65%)	$45,224 (-) Land $12,915 Building $32,309
2022	$2,601.00	$45,224 Land $12,915 Building $32,309	$129,210 (-) Land $36,900 Building $92,310
2021			$129,210 Land $36,900 Building $92,310

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 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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