Hamilton County property record for 978 Harrogate Ct, Cincinnati, OH 45240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,524 sqft · built 1972 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $94,000 (Apr 2017) |
| Tax Bill | $2,985 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 591-0011-0116-00 |
| Primary APN | 591-0011-0116-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 624 sqft |
| 2nd Floor Area | 900 sqft |
| Year Built | Built 1972 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 120 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 978 HARROGATE CT |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45240-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARROGATE CT 68.22 X 120.02 IR LOT 682 MODEL CITY SUB SEC 8 BLK F PT 6 |
| Legal Subdivision | MODEL CITY SUB |
| Legal Block | F |
| Legal Lot Number | 682 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | FOREST PARK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 21506 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Apr 14, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2017 · Amount on Record |
| Deed Sale | Apr 14, 2017 · Amount on Record |
| Prior Sale | Sep 12, 2016 · Amount on Record |
| Deed Document Number | 17-0033180 |
| Deed Book / Page | 13396 / 01682 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Document Number | 0000058823 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 14983/1363 |
| Instrument | 2023-0058823 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 26, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008042 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 14589/195 |
| Instrument | 2022-0008042 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000045546 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 14394/2014 |
| Instrument | 2021-0045546 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 14, 2017 |
| Property Address | 978 HARROGATE CT, CINCINNATI, OH 45240-1812 |
| Document Number | 0000033180 |
| Book / Page | 013396 / 001682 |
| Instrument Date | Mar 2, 2017 |
| Instrument | 33180 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 HARROGATE CT CINCINNATI OH 452401812, CINCINNATI, OH 45240-1812 |
| Document Number | 33181 |
|---|---|
| Date | Apr 14, 2017 |
| Book Page | 013396/001684 |
| Instrument | 33181 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2047 |
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $2,985.00 (+2.75%) | $50,708 (+%) Land $9,656 Building $41,052 | |
| 2024 | $2,905.00 (-1.36%) | $50,707 (-) Land $9,656 Building $41,051 | |
| 2023 | $2,945.00 (-2.77%) | $50,707 (+28.43%) Land $9,656 Building $41,051 | $144,880 (+28.44%) Land $27,590 Building $117,290 |
| 2022 | $3,029.00 Homeowner's exemption | $39,481 Land $7,683 Building $31,798 | |
| 2020 | $112,800 Land $21,950 Building $90,850 |
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 | Not rated no burnable land within 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 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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