9495 Whitegate Ln, Cincinnati, OH 45243 Property Records

Hamilton County property record for 9495 Whitegate Ln, Cincinnati, OH 45243

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,511 sqft · built 1979
Lot Size	3.05 acres (132,945 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,015,000 (Oct 2019)
Tax Bill	$16,899 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`629-0232-0013-00`

Property Details

APN / Parcel Number

Primary APN	`629-0232-0013-00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,511 sqft Living Area
1st Floor Area	3,511 sqft
Basement Area	3,302 sqft
Finished Basement	1,268 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	132,945 sqft (3.05 acres)
Lot Dimensions	450 ft deep x 225 ft wide
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	6 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	566 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	9495 WHITEGATE LN
City	CINCINNATI
State	OH
Zip	45243-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITEGATE LN AC IRR PT LOT 13 WHITEGATE FARM SUB
Legal Subdivision	WHITEGATE FARM SUB
Legal Lot Number	13
Jurisdiction	HAMILTON OH
Township / Civil Division	THE VILLAGE OF INDIAN HILL
Census Block Group	2
Census Block	2013
Census Tract	24402

Owner

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

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

Owner of Record	2 Trust Names on Record
Co-owner	Co-owner on Record
Mailing Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 1, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Mar 18, 2003 · Amount on Record
Deed Document Number	0000084720
Deed Book / Page	14013 / 01338
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647

Mortgage

Document Number	0000033510
Date	Mar 31, 2022
Book Page	14636/1681
Instrument	2022-0033510

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	472 Months
Due	Jul 17, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007344
Date	Jan 15, 2021
Book Page	14335/2945
Instrument	2021-0007344

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 1, 2019
Property Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Document Number	0000084720
Book / Page	14013 / 01338
Map Reference	MB 117 PG 15-13
Instrument Date	Sep 27, 2019
Instrument	2019-0084720
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084721
Date	Oct 1, 2019
Instrument	2019-0084721

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Mortgage

Document Number	0000084722
Date	Oct 1, 2019
Book Page	14013/01344
Instrument	2019-0084722

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Document Number	0000009925
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9495 WHITEGATE LN CINCINNATI OH 452431647, CINCINNATI, OH 45243-1647

Mortgage

Document Number	0000009925
Date	Jan 29, 2020
Book Page	014093/001479
Instrument	9925

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9495 WHITEGATE LN, CINCINNATI, OH 45243-1647
Document Number	0000009926
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9495 WHITEGATE LN CINCINNATI OH 452431647, CINCINNATI, OH 45243-1647

Mortgage

Document Number	0000009926
Date	Jan 29, 2020
Book Page	014093/001483
Instrument	9926

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	The Village Of Indian Hill City
Unified School District	Indian Hill Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,899.00 (+2.09%)	$461,185 (-) Land $270,141 Building $191,044
2024	$16,553.00 (-0.02%)	$461,185 (-) Land $270,141 Building $191,044
2023	$16,557.00 (+6.87%)	$461,185 (+29.82%) Land $270,141 Building $191,044	$1,317,670 (+29.82%) Land $771,830 Building $545,840
2022	$15,493.00 Homeowner's exemption	$355,250 Land $194,810 Building $160,440
2020			$1,015,000 Land $556,600 Building $458,400

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

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	3 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

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	INDIAN HILL CITY PWS serves 15,000 people · EPA ID OH3101112
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000

Cell Coverage

5G (outdoors only) and 4G LTE

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