Hamilton County property record for 7786 Chance Dr, Cleves, OH 45002
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,514 sqft · built 2006 |
| Lot Size | 0.96 acres (41,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $393,900 (Jul 2006) |
| Tax Bill | $8,594 (2025) |
| Deeds & Mortgages | Jul 2025 Transfer Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 570-0010-0236-00 |
| Primary APN | 570-0010-0236-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,514 sqft Living Area |
| Gross Area | 5,899 sqft |
| 1st Floor Area | 1,958 sqft |
| 2nd Floor Area | 1,556 sqft |
| Basement Area | 1,944 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 41,800 sqft (0.96 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 7786 CHANCE DR |
|---|---|
| City | CLEVES |
| State | OH |
| Zip | 45002-8615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | CHANCE DR0.9596 AC LOT 71 WHISPERINGFARMS PUD SUB BLK A |
| Legal Subdivision | WHISPERINGFARMS PUD SUB |
| Legal Block | A |
| Legal Lot Number | 71 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20403 |
7786 Chance Dr is owned and occupied by an individual who acquired it in June 2025.
Source: Hamilton County records, as of January 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7786 CHANCE DR, CLEVES, OH 45002-8615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 11, 2025 | Transfer on Death Deed, Transfer |
| Apr 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2006 · Amount on File |
| Deed Sale | Jul 21, 2006 · Amount on File |
| Prior Sale | Nov 1, 2005 · Amount on File |
| Deed Document Number | 2006114324 |
| Deed Book / Page | 10301 / 769 |
| Last Transfer Date | Jun 19, 2025 |
| Transfer Doc | 0000048349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 11, 2025 |
| Property Address | 7786 CHANCE DR, CLEVES, OH 45002-8615 |
| Document Number | 0000052251 |
| Book / Page | 15455 / 298 |
| Map Reference | MB 15445 PG 03000 |
| Instrument Date | Jul 7, 2025 |
| Instrument | 2025-0052251 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7786 CHANCE DR, CLEVES, OH 45002-8615 |
| Name | Verified Name |
|---|---|
| Address | 7786 CHANCE DR, CLEVES, OH 45002-8615 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7786 CHANCE DR, CLEVES, OH 45002-8615 |
| Document Number | 0000032223 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7786 CHANCE DR CLEVES OH 450028615, CLEVES, OH 45002-8615 |
| Document Number | 0000032223 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 013649/000815 |
| Instrument | 32223 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2048 |
The 2025 property tax bill for 7786 Chance Dr was $8,594, up 12.4% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| 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 | $8,594.00 (+12.41%) | $161,389 (-) Land $29,348 Building $132,041 | $461,110 Land $83,850 Building $377,260 |
| 2024 | $7,645.00 (-0.09%) | $161,389 (-) Land $29,348 Building $132,041 | |
| 2023 | $7,652.00 (+11.42%) | $161,389 (+42.67%) Land $29,348 Building $132,041 | $461,110 Land $83,850 Building $377,260 |
| 2022 | $6,868.00 Homeowner's exemption | $113,124 Land $22,575 Building $90,549 | |
| 2020 | $323,210 Land $64,500 Building $258,710 |
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.
FEMA maps place 7786 Chance Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1989.
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.
Wildfire risk around 7786 Chance Dr is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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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