8865 Cross St, Cincinnati, OH 45242 Property Records

Hamilton County property record for 8865 Cross St, Cincinnati, OH 45242

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,030 sqft · built 2004
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Trust Names on File
Last Sale	$910,000 (Nov 2025)
Tax Bill	$12,954 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`620-0241-0126-00`

Property Details

APN / Parcel Number

Primary APN	`620-0241-0126-00`
Alternative APN	`0084457`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,030 sqft Living Area
Gross Area	5,866 sqft
1st Floor Area	1,580 sqft
2nd Floor Area	2,200 sqft
Basement Area	1,580 sqft
Finished Basement	1,250 sqft
Unfinished Basement	330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	12,284 sqft (0.282 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	8865 CROSS ST
City	CINCINNATI
State	OH
Zip	45242-5402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	SS CROSS ST 0.2824 AC R1-T5-S33
Jurisdiction	HAMILTON OH
Township / Civil Division	SYMMES
Census Block Group	5
Census Block	5010
Census Tract	24322

Owner

8865 Cross St is owner-occupied and held in a trust since November 2025.

Source: Hamilton County records, as of May 8, 2026

Owner of Record	2 Trust Names on File
Mailing Address	8865 CROSS ST, CINCINNATI, OH 45242-5402
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 14, 2025	Warranty Deed, Transfer
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on File
Deed Sale	Nov 14, 2025 · Amount on File
Prior Sale	Aug 8, 2013 · Amount on File
Deed Document Number	202589207
Deed Book / Page	15543 / 1002
Prior Transfer Date	Sep 28, 2007
Prior Transfer Doc	0000000430
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8865 CROSS ST, CINCINNATI, OH 45242-5402
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083273
Date	Jul 9, 2021
Book Page	14455/30
Instrument	2021-0083273

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 14, 2025
Property Address	8865 CROSS ST, CINCINNATI, OH 45242-5402
Document Number	0000089207
Book / Page	15543 / 1002
Map Reference	VOL 9120 PG 2681
Instrument Date	Nov 12, 2025
Instrument	2025-0089207
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8865 CROSS ST, CINCINNATI, OH 45242-5402

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8865 CROSS ST, CINCINNATI, OH 45242-5402
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063500
Date	Jul 2, 2020
Book Page	14202/1358
Instrument	2020-0063500

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8865 Cross St was $12,954, up 3.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Symmes Township
Unified School District	Indian Hill Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,954.00 (+3.41%)	$288,439 (-) Land $25,865 Building $262,574	$824,110 Land $73,900 Building $750,210
2024	$12,527.00 (+0.58%)	$288,439 (-) Land $25,865 Building $262,574
2023	$12,455.00 (+18.05%)	$288,439 (+45.75%) Land $25,865 Building $262,574	$824,110 Land $73,900 Building $750,210
2022	$10,551.00 Homeowner's exemption	$197,897 Land $30,240 Building $167,657
2020			$565,420 Land $86,400 Building $479,020

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 8865 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2022 · rainfall accumulation

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 8865 Cross St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 177 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
AT&T Fixed Wireless	100 / 20

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