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8649 Elmtree Ave, Cincinnati, OH 45231 Property Records

Hamilton County property record for 8649 Elmtree Ave, Cincinnati, OH 45231

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,480 sqft · built 1954
Lot Size0.214 acres (9,322 sqft)
Owner2 Individual Names on File
Last Sale$205,000 (Sep 2026)
Tax Bill$4,054 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN590-0222-0254-00

Property Details

APN / Parcel Number

Primary APN590-0222-0254-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,480 sqft Living Area
Gross Area2,360 sqft
1st Floor Area1,080 sqft
Basement Area1,080 sqft

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1954
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeBrick
Roof MaterialAsphalt
Lot Area9,322 sqft (0.214 acres)
Lot Dimensions136 ft deep x 33 ft wide
Garage TypeAttached
Garage Area200 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address8649 ELMTREE AVE
CityCINCINNATI
StateOH
Zip45231-4753
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionELMTREE AV 139.33X136.41 IRR-LOT 100 BRENTWOOD SUBSEC 2
Legal SubdivisionBRENTWOOD SUB
Legal Lot Number100
JurisdictionHAMILTON OH
Township / Civil DivisionSPRINGFIELD
Census Block Group5
Census Block5006
Census Tract22102

Owner

8649 Elmtree Ave is owned and occupied by two individuals who bought it in September 2026.

Source: Hamilton County records, as of October 19, 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 Record2 Individual Names on File
Mailing Address8649 ELMTREE AVE, CINCINNATI, OH 45231-4753
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 1, 2026 · Amount on File
Deed SaleSep 1, 2026 · Amount on File
Prior SaleOct 10, 2013 · Amount on File
Deed Document Number202671887
Deed Book / Page15741 / 898
Prior Transfer DateAug 16, 1994
Prior Transfer Doc0000144490
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateSep 1, 2026
Property Address8649 ELMTREE AVE, CINCINNATI, OH 45231-4753
Document Number0000071887
Book / Page15741 / 898
Instrument DateAug 25, 2026
Instrument202671887
Transaction TypeTransfer
Record UpdatedOct 16, 2026
Title CompanyRIVERTOWNE TITLE LLC, RIVERTOWNE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$41,410.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRemainderman
Address8649 ELMTREE AVE, CINCINNATI, OH 45231-4753

Mortgage

Document Number0000071888,
DateSep 1, 2026
Instrument202671888
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8649 Elmtree Ave was $4,054, up 2.6% from the year before.

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

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
County SubdivisionSpringfield Township
Unified School DistrictFinneytown Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,054.00 (+2.61%)$55,129 (-) Land $14,333 Building $40,796$157,510 Land $40,950 Building $116,560
2024$3,951.00 (+6.81%)$55,129 (-) Land $14,333 Building $40,796
2023$3,699.00 (+6.48%)$55,129 (+54.22%) Land $14,333 Building $40,796$157,510 Land $40,950 Building $116,560
2022$3,474.00 Homeowner's exemption$35,746 Land $14,147 Building $21,599
2020$102,130 Land $40,420 Building $61,710

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

Flood

FEMA maps place 8649 Elmtree Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 8649 Elmtree Ave 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 RiskLow
lower than 96% of the US · lower than 81% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCINCINNATI PUBLIC WATER SYSTEM
serves 800,000 people · EPA ID OH3102612
Water SourceSurface water
Last State InspectionDec 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 559 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000

May also be available: T-Mobile, Verizon.

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