Hamilton County property record for 7809 Locust Ln, Cincinnati, OH 45243
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,923 sqft · built 1951 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Jan 2026) |
| Tax Bill | $6,256 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 525-0010-0074-00 |
| Primary APN | 525-0010-0074-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,923 sqft Living Area |
| Gross Area | 2,348 sqft |
| 1st Floor Area | 1,090 sqft |
| Attic | Attic |
| Attic Area | 408 sqft |
| Basement Area | 850 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Conventional |
| Exterior Material | Frame/Masonry |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 7809 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45243-1909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCUST LANE 50 X 142 LOT 126 GALLRIDGE SUB SECA |
| Legal Subdivision | GALLRIDGE SUB |
| Legal Lot Number | 126 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MADEIRA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 24100 |
Source: Hamilton County records, as of October 13, 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 | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jan 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Feb 19, 2025 | Transfer on Death Deed, Transfer |
| Jul 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2026 · Amount on Record |
| Deed Sale | Jan 8, 2026 · Amount on Record |
| Prior Sale | Jul 14, 2017 · Amount on Record |
| Deed Document Number | 20261932 |
| Deed Book / Page | 15578 / 1592 |
| Prior Transfer Date | May 22, 2013 |
| Prior Transfer Doc | 0000000246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | WESBANCO TITLE AGENCY LLC, WESBANCO TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Number | 0000083819 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 15531/1577 |
| Instrument | 2025-0083819 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45432 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000055653 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 14411/235 |
| Instrument | 2021-0055653 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 8, 2026 |
| Property Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Number | 0000001932 |
| Book / Page | 15578 / 1592 |
| Map Reference | MB 56 PG 40&41 |
| Instrument Date | Dec 31, 2025 |
| Instrument | 2026-0001932 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0000001933 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026-0001933 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 19, 2025 |
| Property Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Number | 0000011683 |
| Book / Page | 15356 / 1025 |
| Map Reference | MB 56 PG 40&41 |
| Instrument Date | Jan 31, 2025 |
| Instrument | 2025-0011683 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 14, 2017 |
| Property Address | 7809 LOCUST LN, CINCINNATI, OH 45243-1909 |
| Document Number | 0000003450 |
| Map Reference | MB 56 PG 40 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 17-0063450 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8534 E KEMPER RD, CINCINNATI, OH 45249-3701 |
| Document Number | 0000003451 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 17-0063451 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2032 |
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 | $6,256.00 (+2.11%) | $106,848 (-) Land $39,788 Building $67,060 | $305,280 (-) Land $113,680 Building $191,600 |
| 2024 | $6,127.00 (-1.27%) | $106,848 (-) Land $39,788 Building $67,060 | |
| 2023 | $6,206.00 (-6.82%) | $106,848 (+13.96%) Land $39,788 Building $67,060 | $305,280 (+13.96%) Land $113,680 Building $191,600 |
| 2022 | $6,660.00 Homeowner's exemption | $93,762 Land $27,853 Building $65,909 | |
| 2020 | $267,890 Land $79,580 Building $188,310 |
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures