Hamilton County property record for 786 Wells St, Cincinnati, OH 45205
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,787 sqft · built 1900 |
| Lot Size | 0.075 acres (3,267 sqft) |
| Owner | Individual Name on File |
| Last Sale | $16,000 (Sep 2020) |
| Tax Bill | $1,701 (2025) |
| Deeds & Mortgages | Sep 2020 Sale Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 176-0019-0121-00 |
| Primary APN | 176-0019-0121-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,787 sqft Living Area |
| Gross Area | 2,694 sqft |
| 1st Floor Area | 907 sqft |
| 2nd Floor Area | 880 sqft |
| Basement Area | 907 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 3,267 sqft (0.075 acres) |
| Lot Dimensions | 130 ft deep x 25 ft wide |
| Porch | Open Frame Porch |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 786 WELLS ST |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45205-2142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF2 |
| Legal Description | 786 WELLS AVE 25 X 130 LOT 48 PHIL KOCH EST SUB |
| Legal Subdivision | PHIL KOCH EST SUB |
| Legal Lot Number | 48 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 9600 |
786 Wells St is owned by an individual who bought it in September 2020.
Source: Hamilton County records, as of July 2, 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 File |
|---|---|
| Mailing Address | 7401 SOUTHPOINTE DR, CINCINNATI, OH 45233-4283 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LNDG LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2020 · Amount on File |
| Deed Sale | Sep 2, 2020 · Amount on File |
| Prior Sale | Nov 21, 2012 · Amount on File |
| Deed Document Number | 202088801 |
| Deed Book / Page | 14245 / 1283 |
| Prior Transfer Date | Oct 22, 2012 |
| Prior Transfer Doc | 0000142969 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 2, 2020 |
| Property Address | 786 WELLS ST, CINCINNATI, OH 45205-2142 |
| Document Number | 0000088801 |
| Book / Page | 014245 / 001283 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 88801 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $64.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9401 S POINTE DR CINCINNATI OH 45233, CINCINNATI, OH 45233 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 786 WELLS ST, CINCINNATI, OH 45205-2142 |
| Document Number | 0000029177 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 786 WELLS ST CINCINNATI OH 452052142, CINCINNATI, OH 45205-2142 |
| Document Number | 0000029177 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 013899/000213 |
| Instrument | 29177 |
| Name | FIGURE LNDG LLC |
|---|---|
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 17, 2024 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 786 Wells St was $1,701, up 0.1% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,701.00 (+0.12%) | $26,776 (+0.01%) Land $1,775 Building $25,001 | $76,500 Land $5,070 Building $71,430 |
| 2024 | $1,699.00 (-0.18%) | $26,774 (-) Land $1,774 Building $25,000 | |
| 2023 | $1,702.00 (+115.99%) | $26,774 (+153.45%) Land $1,774 Building $25,000 | $76,500 Land $5,070 Building $71,430 |
| 2022 | $788.00 | $10,564 Land $1,572 Building $8,992 | |
| 2020 | $30,180 Land $4,490 Building $25,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 786 Wells St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storms And Flooding |
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.
The area around 786 Wells St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 381 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
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