815 Oak St, Cincinnati, OH 45206 Property Records

Hamilton County property record for 815 Oak St, Cincinnati, OH 45206

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,610 sqft · built 1890
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on File
Last Sale	$47,500 (Jan 2001)
Tax Bill	$4,221 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`067-0002-0155-00`

Property Details

APN / Parcel Number

Primary APN	`067-0002-0155-00`
Alternative APN	`0020977`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,610 sqft Living Area
Gross Area	4,982 sqft
1st Floor Area	1,372 sqft
2nd Floor Area	2,238 sqft
Upper Floors Area	1,098 sqft
Attic	Attic
Attic Area	329 sqft
Basement Area	1,372 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	125 ft deep x 30 ft wide
Porch	Open Frame Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	815 OAK ST
City	CINCINNATI
State	OH
Zip	45206-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMX
Legal Description	815 OAK ST 30.08 X 125 PT LOTS 4-6 E KEMPERS EST
Legal Subdivision	KEMPERS EST
Legal Block	D
Legal Lot Number	4-6
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2007
Census Tract	26700

Owner

815 Oak St is owned and occupied by an individual who bought it in January 2001.

Source: Hamilton County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	815 OAK ST, CINCINNATI, OH 45206-1215
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2001 · Amount on File
Deed Sale	Jan 26, 2001 · Amount on File
Prior Sale	Jun 12, 1998
Deed Document Number	200113780
Deed Book / Page	8476 / 476
Prior Transfer Date	Jan 24, 2001
Prior Transfer Doc	0084760478
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 26, 2026
Property Address	815 OAK ST, CINCINNATI, OH 45206-1215
Document Number	0000040943
Book / Page	15673 / 1252
Instrument Date	Apr 15, 2026
Instrument	202640943
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 OAK ST, CINCINNATI, OH 45206-1215

Mortgage

Document Number	0000040943,
Date	May 26, 2026
Book Page	15673/1252
Instrument	202640943

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	815 OAK ST, CINCINNATI, OH 45206-1215
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 OAK ST, CINCINNATI, OH 45206-1215

Mortgage

Document Number	0000105661
Date	Nov 15, 2022
Book Page	14794/342
Instrument	2022-0105661

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Aug 25, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 815 Oak St was $4,221, up 3.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,221.00 (+3.13%)	$68,551 (-) Land $4,417 Building $64,134	$195,860 Land $12,620 Building $183,240
2024	$4,093.00 (-2.2%)	$68,551 (-) Land $4,417 Building $64,134
2023	$4,185.00 (+92.59%)	$68,551 (+115.11%) Land $4,417 Building $64,134	$195,860 Land $12,620 Building $183,240
2022	$2,173.00 Homeowner's exemption	$31,868 Land $2,653 Building $29,215
2020			$91,050 Land $7,580 Building $83,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 815 Oak St 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

Wildfire risk around 815 Oak St is low, with less than 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 331 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, Xiber.

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