Hamilton County property record for 970 Smiley Ave, Cincinnati, OH 45240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,358 sqft · built 1980 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Aug 2025) |
| Tax Bill | $3,286 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 591-0028-0145-00 |
| Primary APN | 591-0028-0145-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,358 sqft Living Area |
| Gross Area | 1,622 sqft |
| 1st Floor Area | 864 sqft |
| 2nd Floor Area | 494 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 970 SMILEY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45240-1833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMILEY AVE 60 X 130 LOT 971 MODEL CITY SUB SEC 8 BLK A PT 6 |
| Legal Subdivision | MODEL CITY SUB |
| Legal Block | A |
| Legal Lot Number | 971 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | FOREST PARK |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 21506 |
Source: Hamilton County records, as of May 21, 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 | 970 SMILEY AVE, CINCINNATI, OH 45240-1833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Mar 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Sep 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2025 · Amount on Record |
| Deed Sale | Aug 15, 2025 · Amount on Record |
| Prior Sale | Mar 1, 2021 · Amount on Record |
| Deed Document Number | 202561927 |
| Deed Book / Page | 15480 / 612 |
| Prior Transfer Date | Jan 30, 2018 |
| Prior Transfer Doc | 0000011226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 1, 2021 |
| Property Address | 970 SMILEY AVE, CINCINNATI, OH 45240-1833 |
| Document Number | 0000025985 |
| Book / Page | 14364 / 4691 |
| Map Reference | MB 122 PG 81 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021-0025985 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | REDHAWK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $638.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 970 SMILEY AVE, CINCINNATI, OH 45240-1833 |
| Document Number | 0000025986 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 2021-0025986 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 970 SMILEY AVE, CINCINNATI, OH 45240-1833 |
| Document Number | 0000083715 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 970 SMILEY AVE CINCINNATI OH 452401833, CINCINNATI, OH 45240-1833 |
| Document Number | 0000083715 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 013757/000957 |
| Instrument | 83715 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 19, 2033 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Forest Park City |
| Unified School District | Winton Woods City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,286.00 (+2.75%) | $55,826 (+%) Land $9,720 Building $46,106 | $159,500 (-) Land $27,770 Building $131,730 |
| 2024 | $3,198.00 (-1.39%) | $55,824 (-) Land $9,719 Building $46,105 | |
| 2023 | $3,243.00 (+19.1%) | $55,824 (+57.28%) Land $9,719 Building $46,105 | $159,500 (+57.28%) Land $27,770 Building $131,730 |
| 2022 | $2,723.00 Homeowner's exemption | $35,494 Land $7,732 Building $27,762 | |
| 2020 | $101,410 Land $22,090 Building $79,320 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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 397 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 |
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