7938 Mill St, Cleves, OH 45002 Property Records

Hamilton County property record for 7938 Mill St, Cleves, OH 45002

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,504 sqft · built 1897
Lot Size	0.548 acres (23,871 sqft)
Owner	Individual Name on Record
Last Sale	$252,500 (Oct 2021)
Tax Bill	$4,593 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`630-0021-0198-00`

Property Details

APN / Parcel Number

Primary APN	`630-0021-0198-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,504 sqft Living Area
Gross Area	2,834 sqft
1st Floor Area	1,318 sqft
2nd Floor Area	1,186 sqft
Upper Floors Area	1,186 sqft
Basement Area	330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	23,871 sqft (0.548 acres)
Lot Dimensions	240 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	360 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	7938 MILL ST
City	CLEVES
State	OH
Zip	45002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL ST 100 X 240 FT LOTS 6-7-10-11-15-16 HENRY SUB SQ 8 PARS 198 THRU 203 CONS
Legal Subdivision	HENRY SUB
Legal Lot Number	6-7
Jurisdiction	HAMILTON OH
Township / Civil Division	WHITEWATER
Census Block Group	4
Census Block	4011
Census Tract	26002

Owner

Source: Hamilton County records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7938 MILL ST, CLEVES, OH 45002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
May 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 3, 2018	Warranty Deed, Transfer · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	2021125026
Deed Book / Page	14523 / 2782
Prior Transfer Date	Jun 27, 2005
Prior Transfer Doc	0000103663
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	7938 MILL ST, CLEVES, OH 45002
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093928
Date	Oct 29, 2019
Book Page	14033/00399
Instrument	2019-0093928

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 14, 2021
Property Address	7938 MILL ST, CLEVES, OH 45002
Document Number	0000125026
Book / Page	14523 / 2782
Map Reference	MB O PG 7-11
Instrument Date	Oct 8, 2021
Instrument	2021-0125026
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$757.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7938 MILL ST, MIAMITOWN, OH 45041

Mortgage

Document Number	0000125027
Date	Oct 14, 2021
Instrument	2021-0125027

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	May 15, 2018
Property Address	7938 MILL ST, CLEVES, OH 45002
Document Number	0000041499
Book / Page	013668 / 002427
Instrument Date	May 10, 2018
Instrument	41499
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7938-7942 E MILL ST MIAMITOWN OH 45041, MIAMITOWN, OH 45041

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 3, 2018
Property Address	7938 MILL ST, CLEVES, OH 45002
Document Number	0000007462
Map Reference	MBO PG7
Instrument Date	Apr 30, 2018
Instrument	18-0037462
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7938-7942 E MILL ST, MIAMITOWN, OH 45041

Mortgage

Document Number	0000007464
Date	May 3, 2018
Instrument	18-0037464

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Whitewater Township
Unified School District	Southwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,593.00 (+2.32%)	$80,591 (-) Land $14,833 Building $65,758	$230,260 (-) Land $42,380 Building $187,880
2024	$4,489.00 (+0.13%)	$80,591 (-) Land $14,833 Building $65,758
2023	$4,483.00 (+31.78%)	$80,591 (+63.9%) Land $14,833 Building $65,758	$230,260 (+63.9%) Land $42,380 Building $187,880
2022	$3,402.00 Homeowner's exemption	$49,172 Land $12,842 Building $36,330
2020			$140,490 Land $36,690 Building $103,800

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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