985 Waycross Rd, Cincinnati, OH 45240 Property Records

Hamilton County property record for 985 Waycross Rd, Cincinnati, OH 45240

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,398 sqft · built 1982
Lot Size	0.498 acres (21,736 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jul 2021)
Tax Bill	$5,870 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`591-0009-0525-00`

Property Details

APN / Parcel Number

Primary APN	`591-0009-0525-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,398 sqft Living Area
1st Floor Area	1,406 sqft
2nd Floor Area	992 sqft
Basement Area	992 sqft
Finished Basement	1,374 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	21,736 sqft (0.498 acres)
Lot Dimensions	153 ft deep x 146 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	985 WAYCROSS RD
City	CINCINNATI
State	OH
Zip	45240-3033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAYCROSS RD 146.50 X 153.87 IR LOT 50 MODEL CITY SUB SEC 6 BLK B
Legal Subdivision	MODEL CITY SUB
Legal Block	B
Legal Lot Number	50
Jurisdiction	HAMILTON OH
Township / Civil Division	FOREST PARK
Census Block Group	3
Census Block	3003
Census Tract	21505

Owner

Source: Hamilton County records, as of February 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	985 WAYCROSS RD, CINCINNATI, OH 45240-3033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Jan 8, 1998 · Amount on Record
Deed Document Number	0000087320
Deed Book / Page	14461 / 1487
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 19, 2021
Property Address	985 WAYCROSS RD, CINCINNATI, OH 45240-3033
Document Number	0000087320
Book / Page	14461 / 1487
Map Reference	MB 144 PG 7&8
Instrument Date	Jun 16, 2021
Instrument	2021-0087320
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	985 WAYCROSS RD, CINCINNATI, OH 45240-3033

Mortgage

Document Number	0000087321
Date	Jul 19, 2021
Instrument	2021-0087321

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	985 WAYCROSS RD, CINCINNATI, OH 45240-3033
Document Number	0000114957
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	985 WAYCROSS RD CINCINNATI OH 452403033, CINCINNATI, OH 45240-3033

Mortgage

Document Number	0000114957
Date	Nov 2, 2020
Book Page	014287/001776
Instrument	114957

Lender

Name	PNC BK
Type	Bank
Address	CINCINNATI, OH 45240

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Forest Park City
Unified School District	Winton Woods City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,870.00 (+2.77%)	$99,750 (+%) Land $15,767 Building $83,983
2024	$5,712.00 (-1.38%)	$99,749 (-) Land $15,767 Building $83,982
2023	$5,792.00 (+9.99%)	$99,749 (+45.25%) Land $15,767 Building $83,982	$285,000 (+45.25%) Land $45,050 Building $239,950
2022	$5,266.00 Homeowner's exemption	$68,674 Land $11,879 Building $56,795
2020			$196,210 Land $33,940 Building $162,270

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 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

May also be available: T-Mobile.

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