Hamilton County property record for 7646 Chance Dr, Cleves, OH 45002
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,529 sqft · built 2014 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $460,000 (Jun 2016) |
| Tax Bill | $11,411 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Apr 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 570-0010-0274-00 |
| Primary APN | 570-0010-0274-00 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,529 sqft Living Area |
| 1st Floor Area | 1,833 sqft |
| 2nd Floor Area | 1,696 sqft |
| Upper Floors Area | 1,696 sqft |
| Basement Area | 1,833 sqft |
| Finished Basement | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,985 sqft (0.344 acres) |
| Garage Type | Attached |
| Garage Area | 772 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 7646 CHANCE DR |
|---|---|
| City | CLEVES |
| State | OH |
| Zip | 45002-8617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHANCE DR 0.3440 ACLOT 35 WHISPERINGFARMS SUB PHASE 2BLOCK A |
| Legal Subdivision | WHISPERING FARMS SUB |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 35 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20403 |
Source: Hamilton County records, as of February 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 7646 CHANCE DR, CLEVES, OH 45002-8617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Apr 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS BANK |
| Apr 30, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional with PMI UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2016 · Amount on Record |
| Deed Sale | Jun 2, 2016 · Amount on Record |
| Prior Sale | Apr 9, 2015 |
| Deed Document Number | 16-0048774 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7646 CHANCE DR, CLEVES, OH 45002-8617 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000028707 |
|---|---|
| Date | May 1, 2023 |
| Book Page | 14906/170 |
| Instrument | 2023-0028707 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7646 CHANCE DR, CLEVES, OH 45002-8617 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000032186 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 13906/01058 |
| Instrument | 2019-0032186 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7646 CHANCE DR, CLEVES, OH 45002-8617 |
| Document Number | 0000043546 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7646 CHANCE DR CLEVES OH 450028617, CLEVES, OH 45002-8617 |
| Document Number | 0000043546 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 014165/000361 |
| Instrument | 43546 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 10, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7646 CHANCE DR, CLEVES, OH 45002-8617 |
| Document Number | 0000031771 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7646 CHANCE DR CLEVES OH 450028617, CLEVES, OH 45002-8617 |
| Document Number | 0000031771 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 014139/002223 |
| Instrument | 31771 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 2, 2040 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Miami Township |
| Unified School District | Three Rivers Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,411.00 (+12.39%) | $215,103 (+%) Land $29,347 Building $185,756 | |
| 2024 | $10,153.00 (-0.07%) | $215,102 (-) Land $29,347 Building $185,755 | |
| 2023 | $10,160.00 (+2.78%) | $215,102 (+31.36%) Land $29,347 Building $185,755 | $614,580 (+31.36%) Land $83,850 Building $530,730 |
| 2022 | $9,885.00 Homeowner's exemption | $163,755 Land $30,625 Building $133,130 | |
| 2020 | $467,870 Land $87,500 Building $380,370 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 22 (1989–2020) |
| Claims Outside the SFHA | 5 of 22 |
| Most Recent Claim | Mar 2020 · river or lake flooding |
| Claims by Event |
|
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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