Hamilton County property record for 981 Stream Ridge Ln, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,850 sqft · built 1989 |
| Lot Size | 0.631 acres (27,486 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $436,500 (Sep 2020) |
| Tax Bill | $9,705 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 500-0204-0205-00 |
| Primary APN | 500-0204-0205-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,850 sqft Living Area |
| Gross Area | 5,393 sqft |
| 1st Floor Area | 1,568 sqft |
| 2nd Floor Area | 1,282 sqft |
| Basement Area | 1,554 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 554 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Frame/Masonry |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 27,486 sqft (0.631 acres) |
| Lot Dimensions | 238 ft deep x 74.1 ft wide |
| Garage Type | Attached |
| Garage Area | 989 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 981 STREAM RIDGE LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-4323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STREAM RIDGE LA 74.11 X 238.17 FT IRR LOT24 COLDSTREAM PARK SUB |
| Legal Subdivision | COLDSTREAM PARK SUB |
| Legal Lot Number | 24 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ANDERSON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 25103 |
981 Stream Ridge Ln is owned and occupied by two individuals who bought it in September 2020.
Source: Hamilton County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
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 |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Jun 8, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Sep 11, 2020 | Grant Deed, Transfer · Conventional Mortgage UNION SVGS |
| Aug 7, 2020 | Deed of Trust, Construction Loan · Construction Mortgage CINCINNATUS S&L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on File |
| Deed Sale | Sep 11, 2020 · Amount on File |
| Deed Document Number | 202091974 |
| Deed Book / Page | 14251 / 140 |
| Prior Transfer Date | Aug 5, 2015 |
| Prior Transfer Doc | 0000100810 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 2, 2026 |
| Property Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Document Number | 0000072324 |
| Book / Page | 15742 / 28 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 202672324 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Document Number | 0000072324, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 15742/28 |
| Instrument | 202672324 |
| Name | UNION SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 24, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|---|
| Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Document Number | 0000057155 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 14684/2315 |
| Instrument | 2022-0057155 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 11, 2020 |
| Property Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Document Number | 0000091974 |
| Book / Page | 014251 / 000140 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 91974 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2020 |
| Title Company | OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,746.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 981 STREAM RIDGE LN CINCINNATI OH 452554323, CINCINNATI, OH 45255-4323 |
| Document Number | 91975 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 014251/000142 |
| Instrument | 91975 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 10, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 7, 2020 |
| Property Address | 981 STREAM RIDGE LN, CINCINNATI, OH 45255-4323 |
| Document Number | 0000078374 |
| Book / Page | 014227 / 002240 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 78374 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 981 STREAM RIDGE LN CINCINNATI OH 452554323, CINCINNATI, OH 45255-4323 |
| Document Number | 0000078374 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 014227/002240 |
| Instrument | 78374 |
| Name | CINCINNATUS S&L |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 6, 2021 |
The 2025 property tax bill for 981 Stream Ridge Ln was $9,705, up 2.9% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Anderson Township |
| Unified School District | Forest Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,705.00 (+2.86%) | $152,775 (-) Land $30,625 Building $122,150 | $436,500 Land $87,500 Building $349,000 |
| 2024 | $9,435.00 (+5.03%) | $152,775 (-) Land $30,625 Building $122,150 | |
| 2023 | $8,983.00 (-13.3%) | $152,775 (-3.43%) Land $30,625 Building $122,150 | $436,500 Land $87,500 Building $349,000 |
| 2022 | $10,361.00 Homeowner's exemption | $158,200 Land $27,685 Building $130,515 | |
| 2020 | $452,000 Land $79,100 Building $372,900 |
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 981 Stream Ridge Ln in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 981 Stream Ridge Ln 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 94% of the US · lower than 71% 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 204 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures