797 4th St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 797 4th St, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 984 sqft · built 1940
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (May 2026)
Tax Bill	$1,230 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`671-0007-0381-00`

Property Details

APN / Parcel Number

Primary APN	`671-0007-0381-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	984 sqft
Basement Area	984 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	797 4TH ST
City	CINCINNATI
State	OH
Zip	45215-4828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4TH ST 50 X 110 LOT 139 OLIVER 2ND SUB
Legal Subdivision	OLIVER 2ND SUB
Legal Lot Number	139
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	2
Census Block	2013
Census Tract	23222

Owner

Source: Hamilton County records, as of June 22, 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	797 4TH ST, CINCINNATI, OH 45215-4828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 4, 2024	Deed of Trust, Mortgage · Line of Credit GERBUS PROPERTIES INC
Nov 18, 2024	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Nov 18, 2024 · Amount on Record
Deed Document Number	202638248
Deed Book / Page	15668 / 515
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 18, 2026
Property Address	797 4TH ST, CINCINNATI, OH 45215-4828
Document Number	0000038248
Book / Page	15668 / 515
Instrument Date	Apr 11, 2026
Instrument	202638248
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,499.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	797 4TH ST, CINCINNATI, OH 45215-4828
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038249,
Date	May 18, 2026
Instrument	202638249

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	797 4TH ST, CINCINNATI, OH 45215-4828
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12148 STONE MILL RD, CINCINNATI, OH 45251-4134
Investor	Possibly a Property Investor

Mortgage

Document Number	0000061639
Date	Sep 4, 2024
Book Page	15243/1811
Instrument	2024-0061639

Lender

Name	GERBUS PROPERTIES INC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45231

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 18, 2024
Property Address	797 4TH ST, CINCINNATI, OH 45215-4828
Document Number	0000081827
Book / Page	15295 / 7
Map Reference	MB 1 PG 257
Instrument Date	Nov 6, 2024
Instrument	2024-0081827
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1727 F GAIBRAITH ROAD, F, CINCINNATI, OH 45251

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,230.00 (+88.94%)	$22,666 (-) Land $8,736 Building $13,930	$64,760 (-) Land $24,960 Building $39,800
2024	$651.00 (-7.4%) Homeowner's exemption	$22,666 (-) Land $8,736 Building $13,930
2023	$703.00 (+12.12%) Homeowner's exemption	$22,666 (+28.38%) Land $8,736 Building $13,930	$64,760 (+28.39%) Land $24,960 Building $39,800
2022	$627.00 Homeowner's exemption	$17,655 Land $7,025 Building $10,630
2020			$50,440 Land $20,070 Building $30,370

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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