Hamilton County property record for 7801 Locust Ln, Cincinnati, OH 45243
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,258 sqft · built 1947 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Sep 2014) |
| Tax Bill | $5,612 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 525-0010-0078-00 |
| Primary APN | 525-0010-0078-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,258 sqft Living Area |
| Gross Area | 2,108 sqft |
| 1st Floor Area | 850 sqft |
| Attic | Attic |
| Attic Area | 408 sqft |
| Basement Area | 850 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 7,144 sqft (0.164 acres) |
| Lot Dimensions | 142 ft deep x 34.9 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 7801 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45243-1909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCUST LANE 34.89 X 142 IRR LOT 130 GALLRIDGE SUBSEC A |
| Legal Subdivision | GALLRIDGE SUB |
| Legal Lot Number | 130 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MADEIRA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 24100 |
7801 Locust Ln is owned and occupied by two individuals who bought it in September 2014.
Source: Hamilton County records, as of January 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7801 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2014 · Amount on File |
| Deed Sale | Sep 17, 2014 · Amount on File |
| Prior Sale | Aug 6, 2012 · Amount on File |
| Deed Document Number | 201493959 |
| Deed Book / Page | 12706 / 117 |
| Prior Transfer Date | May 22, 2013 |
| Prior Transfer Doc | 0000000246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7801 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | PRODIGY TITLE |
| Name | Verified Name |
|---|---|
| Address | 7801 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Number | 0000120542 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 14516/3784 |
| Instrument | 2021-0120542 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7801 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000117239 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 14511/2633 |
| Instrument | 2021-0117239 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
The 2025 property tax bill for 7801 Locust Ln was $5,612, up 2.6% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Madeira City |
| Unified School District | Madeira City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,612.00 (+2.61%) | $95,365 (-) Land $38,570 Building $56,795 | $272,470 Land $110,200 Building $162,270 |
| 2024 | $5,469.00 (-1.28%) | $95,365 (-) Land $38,570 Building $56,795 | |
| 2023 | $5,540.00 (+2.01%) | $95,365 (+24.76%) Land $38,570 Building $56,795 | $272,470 Land $110,200 Building $162,270 |
| 2022 | $5,431.00 Homeowner's exemption | $76,441 Land $27,003 Building $49,438 | |
| 2020 | $218,400 Land $77,150 Building $141,250 |
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 7801 Locust Ln in Zone X, an area of minimal flood risk.
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 risk around 7801 Locust Ln 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 | 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 | INDIAN HILL CITY PWS serves 15,000 people · EPA ID OH3101112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 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 396 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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