Hamilton County property record for 9628 Pepper Cir, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,762 sqft · built 1979 |
| Lot Size | 0.776 acres (33,846 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,500 (Mar 2016) |
| Tax Bill | $5,696 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0180-1019-00 |
| Primary APN | 590-0180-1019-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,762 sqft Living Area |
| 1st Floor Area | 1,762 sqft |
| Basement Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 33,846 sqft (0.776 acres) |
| Lot Width | 38 ft Width |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 364 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 9628 PEPPER CIR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-2642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINTON RD 38.66 X FT IRR LOT 21 MILLBROOK SUB BL J |
| Legal Subdivision | MILLBROOK SUB |
| Legal Block | J |
| Legal Lot Number | 21 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 22101 |
9628 Pepper Cir is owned and occupied by an individual who bought it in March 2016.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9628 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| 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.
| Date | Document |
|---|---|
| Jul 14, 2023 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2016 · Amount on File |
| Deed Sale | Mar 7, 2016 · Amount on File |
| Prior Sale | Apr 17, 1996 · Amount on File |
| Deed Document Number | 0000019925 |
| Deed Book / Page | 013117 / 001453 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9628 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000048526 |
|---|---|
| Date | Jul 14, 2023 |
| Book Page | 14957/35 |
| Instrument | 2023-0048526 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9628 PEPPER CIR, CINCINNATI, OH 45231-2642 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000090775 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 14467/338 |
| Instrument | 2021-0090775 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 9628 Pepper Cir was $5,696, up 2.4% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $5,696.00 (+2.43%) | $84,385 (-) Land $12,019 Building $72,366 | |
| 2024 | $5,561.00 (+4.28%) | $84,385 (-) Land $12,019 Building $72,366 | |
| 2023 | $5,333.00 (-6.31%) | $84,385 (+24.97%) Land $12,019 Building $72,366 | $241,100 Land $34,340 Building $206,760 |
| 2022 | $5,692.00 Homeowner's exemption | $67,526 Land $11,344 Building $56,182 | |
| 2020 | $192,930 Land $32,410 Building $160,520 |
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.
FEMA maps place 9628 Pepper Cir 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 risk around 9628 Pepper Cir 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 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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