994 Wilderness Trl, Cincinnati, OH 45238 Property Records

Hamilton County property record for 994 Wilderness Trl, Cincinnati, OH 45238

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,107 sqft · built 1963
Lot Size	0.192 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Dec 2023)
Tax Bill	$3,391 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`540-0060-0400-00`

Property Details

APN / Parcel Number

Primary APN	`540-0060-0400-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,107 sqft Living Area
1st Floor Area	1,107 sqft
Basement Area	1,107 sqft
Finished Basement	650 sqft

Exterior

Year Built	Built 1963
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,407 sqft (0.192 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	994 WILDERNESS TRL
City	CINCINNATI
State	OH
Zip	45238-4155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILDERNESS TR 60 X 140 LOT 200 COVEDALE WEST SUBBLK C PART 2
Legal Subdivision	COVEDALE WEST SUB
Legal Tract	60
Legal Block	C
Legal Lot Number	200
Jurisdiction	HAMILTON OH
Township / Civil Division	DELHI
Census Block Group	2
Census Block	2003
Census Tract	21303

Owner

994 Wilderness Trl is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Dec 13, 2023	Warranty Deed, Transfer · FHA Mortgage RIVERHILLS BANK
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Deed Document Number	0000087459
Deed Book / Page	15061 / 1227
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155

Mortgage

Document Number	0000068222
Date	Sep 4, 2025
Book Page	15493/3151
Instrument	2025-0068222

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 13, 2023
Property Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155
Document Number	0000087459
Book / Page	15061 / 1227
Map Reference	MB 110 PG 45-47
Instrument Date	Nov 30, 2023
Instrument	2023-0087459
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155

Mortgage

Document Number	0000087460
Date	Dec 13, 2023
Instrument	2023-0087460

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Mortgage

Document Number	0000087461
Date	Dec 13, 2023
Book Page	15061/1250
Instrument	2023-0087461

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	994 WILDERNESS TRL, CINCINNATI, OH 45238-4155
Document Number	0000055713
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	994 WILDERNESS TRL CINCINNATI OH 452384155, CINCINNATI, OH 45238-4155

Mortgage

Document Number	0000055713
Date	Jun 12, 2020
Book Page	014188/001851
Instrument	55713

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 994 Wilderness Trl was $3,391, up 2.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Delhi Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,391.00 (+2.54%)	$57,106 (+%) Land $10,167 Building $46,939
2024	$3,307.00 (+19%)	$57,105 (-) Land $10,167 Building $46,938
2023	$2,779.00 (+31.21%) Homeowner's exemption	$57,105 (+38.43%) Land $10,167 Building $46,938	$163,160 Land $29,050 Building $134,110
2022	$2,118.00 Homeowner's exemption	$41,252 Land $9,034 Building $32,218
2020			$117,860 Land $25,810 Building $92,050

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

FEMA maps place 994 Wilderness Trl 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

Wildfire risk around 994 Wilderness Trl 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 98% of the US · lower than 90% 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 419 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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