8431 Heritage Dr, Cincinnati, OH 45249 Property Records

Hamilton County property record for 8431 Heritage Dr, Cincinnati, OH 45249

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,270 sqft · built 1982
Lot Size	0.471 acres (20,560 sqft)
Owner	Individual Name on File
Last Sale	$457,500 (Jul 2017)
Tax Bill	$11,378 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`620-0201-0148-00`

Property Details

APN / Parcel Number

Primary APN	`620-0201-0148-00`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,270 sqft Living Area
1st Floor Area	1,800 sqft
2nd Floor Area	1,470 sqft
Basement Area	1,800 sqft
Finished Basement	600 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	20,560 sqft (0.471 acres)
Lot Dimensions	201 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	8431 HERITAGE DR
City	CINCINNATI
State	OH
Zip	45249-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE DR 110 X 201.20 IRR LOT 171 PAULMEADOWS BL C PT 1
Legal Subdivision	PAUL MEADOWS
Legal Block	C
Legal Lot Number	171
Jurisdiction	HAMILTON OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1000
Census Tract	24301

Owner

8431 Heritage Dr is owned and occupied by an individual who bought it in July 2017.

Source: Hamilton County records, as of February 9, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8431 HERITAGE DR, CINCINNATI, OH 45249-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on File
Deed Sale	Jul 17, 2017 · Amount on File
Prior Sale	Jul 11, 2016 · Amount on File
Deed Document Number	0000004027
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 17, 2017
Property Address	8431 HERITAGE DR, CINCINNATI, OH 45249-1356
Document Number	0000004027
Map Reference	MB 228 PG 48-49
Instrument Date	Jan 30, 2017
Instrument	17-0064027
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8431 HERITAGE DR, CINCINNATI, OH 45249-1356

Mortgage

Document Number	0000004028
Date	Jul 17, 2017
Instrument	17-0064028

Lender

Name	THE WILMINGTON SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 8431 Heritage Dr was $11,378, up 3.2% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Symmes Township
Unified School District	Sycamore Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,378.00 (+3.17%)	$225,817 (-) Land $28,000 Building $197,817
2024	$11,028.00 (+0.54%)	$225,817 (-) Land $28,000 Building $197,817
2023	$10,969.00 (+11.84%)	$225,817 (+41.03%) Land $28,000 Building $197,817	$645,190 Land $80,000 Building $565,190
2022	$9,808.00 Homeowner's exemption	$160,125 Land $30,240 Building $129,885
2020			$457,500 Land $86,400 Building $371,100

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 8431 Heritage Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 8431 Heritage Dr 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 97% of the US · lower than 85% 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20