8657 Melody Ln, Cincinnati, OH 45231 Property Records

Hamilton County property record for 8657 Melody Ln, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1952
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Feb 2015)
Tax Bill	$4,502 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`590-0222-0128-00`

Property Details

APN / Parcel Number

Primary APN	`590-0222-0128-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,761 sqft Living Area
1st Floor Area	1,295 sqft
Attic	Attic
Attic Area	466 sqft
Basement Area	1,295 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1952
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	125 ft deep x 39 ft wide
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	8657 MELODY LN
City	CINCINNATI
State	OH
Zip	45231-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MELODY CT 39.27 X 125 IRRR1-T3-S20 NE
Legal Range	01
Legal Township	03
Legal Section	20
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	6
Census Block	6000
Census Tract	22102

Owner

8657 Melody Ln is owned and occupied by an individual who bought it in February 2015.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	8657 MELODY LN, CINCINNATI, OH 45231-4617
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
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jan 7, 2021	Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2015 · Amount on File
Deed Sale	Feb 10, 2015 · Amount on File
Prior Sale	Dec 16, 2005 · Amount on File
Deed Document Number	15-013319
Deed Book / Page	12817 / 00408
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8657 MELODY LN, CINCINNATI, OH 45231-4617
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8657 MELODY LN, CINCINNATI, OH 45231-4617

Mortgage

Document Number	0000078296
Date	Aug 11, 2022
Book Page	14728/1611
Instrument	2022-0078296

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8657 MELODY LN, CINCINNATI, OH 45231-4617
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099973
Date	Aug 18, 2021
Book Page	14483/778
Instrument	2021-0099973

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8657 MELODY LN, CINCINNATI, OH 45231-4617
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8657 MELODY LN, CINCINNATI, OH 45231-4617

Mortgage

Document Number	0000002618
Date	Jan 7, 2021
Book Page	14329/2238
Instrument	2021-0002618

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Dec 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 8657 Melody Ln was $4,502, up 2.4% 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	Springfield Township
Unified School District	Finneytown Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,502.00 (+2.36%)	$64,488 (-) Land $12,450 Building $52,038
2024	$4,398.00 (+1.71%)	$64,488 (-) Land $12,450 Building $52,038
2023	$4,324.00 (+19.15%)	$64,488 (+64.35%) Land $12,450 Building $52,038	$184,250 Land $35,570 Building $148,680
2022	$3,629.00 Homeowner's exemption	$39,239 Land $12,289 Building $26,950
2020			$112,110 Land $35,110 Building $77,000

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 8657 Melody Ln 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 8657 Melody Ln 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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 559 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

May also be available: T-Mobile, Verizon.

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