831 Oak St, Cincinnati, OH 45206 Property Records

Hamilton County property record for 831 Oak St, Cincinnati, OH 45206

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 2 ba · 2,604 sqft · built 1880
Lot Size	0.119 acres (5,184 sqft)
Owner	Individual Name on File
Last Sale	$42,970 (Oct 2019)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`067-0002-0111-00`

Property Details

APN / Parcel Number

Primary APN	`067-0002-0111-00`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,604 sqft Living Area
Gross Area	3,676 sqft
1st Floor Area	1,072 sqft
2nd Floor Area	1,072 sqft
Attic	Attic
Attic Area	460 sqft
Basement Area	1,072 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	98.5 ft deep x 148 ft wide
Porch	Open Frame Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	831 OAK ST
City	CINCINNATI
State	OH
Zip	45206-3463
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	831 OAK ST 50 X 98.48 PT LOT 6 E KEMPERS EST SQD
Legal Subdivision	KEMPERS EST
Legal Lot Number	6
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2007
Census Tract	26700

Owner

831 Oak St, a residential property, is owned by an individual who bought it in October 2019.

Source: Hamilton County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3435 READING RD, CINCINNATI, OH 45229-3127
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
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit LOAN FACTORY INC
Oct 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on File
Deed Sale	Oct 15, 2019 · Amount on File
Prior Sale	Nov 4, 1993
Deed Document Number	201989700
Deed Book / Page	14023 / 1337
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	831 OAK ST, CINCINNATI, OH 45206-3463
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 READING RD 3435, 3435, CINCINNATI, OH 45229-3127

Mortgage

Document Number	0000074170
Date	Sep 25, 2025
Book Page	15508/261
Instrument	2025-0074170

Lender

Name	LOAN FACTORY INC
Type	Mortgage Company
Address	SAN JOSE, CA 95122

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 8, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 15, 2019
Property Address	831 OAK ST, CINCINNATI, OH 45206-1215
Document Number	0000089700
Book / Page	014023 / 001337
Instrument Date	Oct 8, 2019
Instrument	89700
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$171.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 OAK ST CINCINNATI OH 452061215, CINCINNATI, OH 45206-1215

Tax Assessment & Valuation

The 2025 property tax bill for 831 Oak St was $2,756, down 4.7% 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	$2,756.00 (-4.7%)	$42,820 (+%) Land $5,317 Building $37,503	$122,340 Land $15,190 Building $107,150
2024	$2,892.00 (+4.9%)	$42,818 (-) Land $5,316 Building $37,502
2023	$2,757.00 (+149.5%)	$42,818 (+184.69%) Land $5,316 Building $37,502	$122,340 Land $15,190 Building $107,150
2022	$1,105.00	$15,040 Land $3,213 Building $11,827
2020			$42,970 Land $9,180 Building $33,790

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

FEMA maps place 831 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 831 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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