8870 Cross St, Cincinnati, OH 45242 Property Records

Hamilton County property record for 8870 Cross St, Cincinnati, OH 45242

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,075 sqft · built 1974
Lot Size	0.486 acres (21,170 sqft)
Owner	Individual Name on Record
Tax Bill	$5,726 (2025)
Deeds & Mortgages	Aug 2024 Second Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`620-0240-0033-00`

Property Details

APN / Parcel Number

Primary APN	`620-0240-0033-00`
Alternative APN	`0059307`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,075 sqft Living Area
Gross Area	3,713 sqft
1st Floor Area	1,092 sqft
2nd Floor Area	983 sqft
Basement Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	21,170 sqft (0.486 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	8870 CROSS ST
City	CINCINNATI
State	OH
Zip	45242-5403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	CROSS ST 100 X 220 LOT 3 INDIAN BLUFF SUB BLK B
Legal Subdivision	INDIAN BLUFF SUB
Legal Block	B
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	SYMMES
Census Block Group	5
Census Block	5007
Census Tract	24322

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8870 CROSS ST, CINCINNATI, OH 45242-5403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MCKINLEY MORTGAGE LLC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage MCKINLEY MORTGAGE LLC
Jan 31, 2018	Deed of Trust, Mortgage · FHA Mortgage GUARANTY TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2018
Deed Sale	Feb 9, 2018
Prior Sale	Jun 6, 2005 · Amount on Record
Deed Document Number	201811613
Prior Transfer Date	Apr 29, 2005
Prior Transfer Doc	0000000729
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8870 CROSS ST, CINCINNATI, OH 45242-5403
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8870 CROSS ST, CINCINNATI, OH 45242-5403

Mortgage

Document Number	0000059610
Date	Aug 26, 2024
Book Page	15237/976
Instrument	2024-0059610

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2044

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8870 CROSS ST, CINCINNATI, OH 45242-5403
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	CINCINNATUS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122475
Date	Nov 20, 2020
Book Page	14300/1716
Instrument	2020-0122475

Lender

Name	MCKINLEY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8870 CROSS ST, CINCINNATI, OH 45242-5403
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	CINCINNATUS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091374
Date	Oct 21, 2019
Book Page	14027/00386
Instrument	2019-0091374

Lender

Name	MCKINLEY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	8870 CROSS ST, CINCINNATI, OH 45242-5403
Document Number	0000011829
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	May 3, 2018
Title Company	CINCINNATUS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8870 CROSS ST CINCINNATI OH 452425403, CINCINNATI, OH 45242-5403

Mortgage

Document Number	0000011829
Date	Feb 12, 2018
Book Page	013603/000600
Instrument	11829

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

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	$5,726.00 (+3.41%)	$127,481 (-) Land $26,264 Building $101,217	$364,230 (-) Land $75,040 Building $289,190
2024	$5,537.00 (+0.58%)	$127,481 (-) Land $26,264 Building $101,217
2023	$5,505.00 (+31.07%)	$127,481 (+61.85%) Land $26,264 Building $101,217	$364,230 (+61.85%) Land $75,040 Building $289,190
2022	$4,200.00 Homeowner's exemption	$78,764 Land $20,321 Building $58,443
2020			$225,040 Land $58,060 Building $166,980

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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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