Hamilton County property record for 9620 Pepper Cir, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,826 sqft · built 1979 |
| Lot Size | 0.563 acres (24,524 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Aug 2021) |
| Tax Bill | $6,709 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0180-1015-00 |
| Primary APN | 590-0180-1015-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,826 sqft Living Area |
| Gross Area | 3,750 sqft |
| 1st Floor Area | 1,176 sqft |
| 2nd Floor Area | 1,050 sqft |
| Basement Area | 1,050 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 24,524 sqft (0.563 acres) |
| Lot Width | 20 ft Width |
| Garage Type | Attached |
| Garage Area | 474 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 9620 PEPPER CIR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-2642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WINTON RD 20 X FT IRR LOT 17 MILLBROOK SUB BL J |
| Legal Subdivision | MILLBROOK SUB |
| Legal Block | J |
| Legal Lot Number | 17 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 22101 |
Source: Hamilton County records, as of July 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9620 PEPPER CIIR, CINCINNATI, OH 45231 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Aug 16, 2021 | Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on Record |
| Deed Sale | Aug 16, 2021 · Amount on Record |
| Prior Sale | Feb 4, 2013 · Amount on Record |
| Deed Document Number | 202198939 |
| Deed Book / Page | 14481 / 3574 |
| Prior Transfer Date | Jan 15, 1989 |
| Prior Transfer Doc | 0000203932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9620 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9620 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Document Number | 0000084660 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 14457/731 |
| Instrument | 2021-0084660 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 7, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 16, 2021 |
| Property Address | 9620 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Document Number | 0000098939 |
| Book / Page | 14481 / 3574 |
| Map Reference | MB 217 PG 36 |
| Instrument Date | Aug 4, 2021 |
| Instrument | 2021-0098939 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 9620 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Document Number | 0000098940 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 2021-0098940 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Sep 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 9% |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Springfield Township |
| Unified School District | Winton Woods City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,709.00 (-2.23%) | $99,751 (+%) Land $11,680 Building $88,071 | $285,000 (-) Land $33,370 Building $251,630 |
| 2024 | $6,862.00 (+9.35%) | $99,749 (-) Land $11,679 Building $88,070 | |
| 2023 | $6,275.00 (+7.03%) | $99,749 (+50.01%) Land $11,679 Building $88,070 | $285,000 (+50.02%) Land $33,370 Building $251,630 |
| 2022 | $5,863.00 Homeowner's exemption | $66,494 Land $11,029 Building $55,465 | |
| 2020 | $189,980 Land $31,510 Building $158,470 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 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 · Fiber in parts of the area | 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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