825 Oak St, Cincinnati, OH 45206 Property Records

Hamilton County property record for 825 Oak St, Cincinnati, OH 45206

Property Summary

Property Type	Apartments (5+ Units)
Details	4 bd · 2 ba · 2,445 sqft · built 1890
Lot Size	0.108 acres (4,704 sqft)
Owner	Company Name on File
Last Sale	$276,000 (Apr 2025)
Tax Bill	$7,553 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`067-0002-0178-00`

Property Details

APN / Parcel Number

Primary APN	`067-0002-0178-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,445 sqft Living Area
Gross Area	4,167 sqft
1st Floor Area	861 sqft
2nd Floor Area	1,584 sqft
Upper Floors Area	723 sqft
Basement Area	1,722 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	4,704 sqft (0.108 acres)
Lot Dimensions	98 ft deep x 46 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	825 OAK ST
City	CINCINNATI
State	OH
Zip	45206-1215
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RMX
Legal Description	OAK ST 0.1029 AC
Legal Subdivision	KEMPERS ESTATES
Legal Lot Number	6
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2007
Census Tract	26700

Owner

Source: Hamilton County records, as of May 12, 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	Company Name on File
Mailing Address	7718 GAINES RD, CINCINNATI, OH 45247-3416
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING INC
Jan 18, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 17, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2025 · Amount on File
Deed Sale	Apr 4, 2025 · Amount on File
Prior Sale	Jul 23, 2024 · Amount on File
Deed Document Number	202523929
Deed Book / Page	15388 / 563
Prior Transfer Date	Jan 13, 2023
Prior Transfer Doc	0000004549
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	825 OAK ST, CINCINNATI, OH 45206-1215
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023570
Date	Mar 31, 2026
Book Page	15634/103
Instrument	2026-0023570

Lender

Name	AMERICAN HERITAGE LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 18, 2023
Property Address	825 OAK ST, CINCINNATI, OH 45206-1215
Document Number	0000004549
Book / Page	14834 / 1537
Map Reference	MB 2 PG 26
Instrument Date	Jan 13, 2023
Instrument	2023-0004549
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 OAK ST # 825, 825, CINCINNATI, OH 45206-1292

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	825 OAK ST, CINCINNATI, OH 45206-1215
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024359
Date	Feb 25, 2021
Book Page	14362/4476
Instrument	2021-0024359

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 17, 2019
Property Address	825 OAK ST, CINCINNATI, OH 45206-1215
Document Number	0000079088
Book / Page	14003 / 00001
Map Reference	MB 2 PG 26
Instrument Date	Aug 29, 2019
Instrument	2019-0079088
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 OAK ST # 825, 825, CINCINNATI, OH 45206-1292

Mortgage

Document Number	0000079089
Date	Sep 17, 2019
Instrument	2019-0079089

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 11, 2017
Property Address	825 OAK ST, CINCINNATI, OH 45206-1215
Document Number	0000072936
Book / Page	013479 / 000001
Instrument Date	Aug 4, 2017
Instrument	72936
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	825 OAK ST CINCINNATI OH 452061215, CINCINNATI, OH 45206-1215

Tax Assessment & Valuation

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	$7,553.00 (-1.31%)	$91,014 (-) Land $5,600 Building $85,414	$260,040 (-) Land $16,000 Building $244,040
2024	$7,653.00 (+2.26%)	$91,014 (-) Land $5,600 Building $85,414
2023	$7,484.00 (-7.57%)	$91,014 (+1.98%) Land $5,600 Building $85,414	$260,040 (+1.98%) Land $16,000 Building $244,040
2022	$8,097.00	$89,250 Land $5,341 Building $83,909
2020			$255,000 Land $15,260 Building $239,740

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

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 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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