Hamilton County property record for 9965 Thoroughbred Ln, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 5,407 sqft · built 2003 |
| Lot Size | 1.18 acres (51,793 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Feb 2019) |
| Tax Bill | $14,498 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0171-0021-00 |
| Primary APN | 590-0171-0021-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 5,407 sqft Living Area |
| Gross Area | 6,514 sqft |
| 1st Floor Area | 2,526 sqft |
| 2nd Floor Area | 781 sqft |
| Basement Area | 2,505 sqft |
| Finished Basement | 2,100 sqft |
| Unfinished Basement | 405 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 51,793 sqft (1.18 acres) |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 713 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 9965 THOROUGHBRED LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-2780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | THOROUGHBRED LN 1.189 ACSLOT 15 THE MEADOWS OF WRIGHT FARM PHASE 1 |
| Legal Subdivision | THE MEADOWS OF WRIGHT FARM PHASE 1 |
| Legal Lot Number | 15 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 22101 |
9965 Thoroughbred Ln is owned and occupied by two individuals who bought it in February 2019.
Source: Hamilton County records, as of January 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| 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.
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Sep 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI UNION SVGS |
| Feb 5, 2019 | Grant Deed, Transfer · Conventional Mortgage WARSAW FED'L S&L ASSN |
| Oct 5, 2018 | Trustee's Deed, Construction Loan · Line of Credit HERITAGE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2019 · Amount on File |
| Deed Sale | Feb 5, 2019 · Amount on File |
| Prior Sale | Jan 26, 2001 · Amount on File |
| Deed Document Number | 20199185 |
| Deed Book / Page | 13848 / 592 |
| Prior Transfer Date | Mar 1, 2010 |
| Prior Transfer Doc | 0000000352 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000104278 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 14491/123 |
| Instrument | 2021-0104278 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000081748 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 14007/02504 |
| Instrument | 2019-0081748 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Document Number | 0000085582 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9965 THOROUGHBRED LN CINCINNATI OH 452312780, CINCINNATI, OH 45231-2780 |
| Document Number | 0000085582 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 014240/001348 |
| Instrument | 85582 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 5, 2019 |
| Property Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Document Number | 0000009185 |
| Book / Page | 013848 / 000592 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 9185 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2019 |
| Title Company | TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9965 THOROUGHBRED LN CINCINNATI OH 452312780, CINCINNATI, OH 45231-2780 |
| Document Number | 9186 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 016848/000594 |
| Instrument | 9186 |
| Name | WARSAW FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | 3533 WARSAW AVE, CINCINNATI, OH 45205-1850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 5, 2018 |
| Property Address | 9965 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Book / Page | 013768 / 000665 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 88960 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10603 LAURIN CT UNION KY 410914900, UNION, KY 41091-4900 |
| Investor | Possibly a Property Investor |
| Document Number | 0000088960 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 013768/000665 |
| Instrument | 88960 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 4, 2019 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 9965 Thoroughbred Ln was $14,498, up 2.7% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Springfield Township |
| Unified School District | Winton Woods City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,498.00 (+2.66%) | $215,793 (-) Land $26,502 Building $189,291 | $616,550 Land $75,720 Building $540,830 |
| 2024 | $14,122.00 (+4.14%) | $215,793 (-) Land $26,502 Building $189,291 | |
| 2023 | $13,560.00 (+12.65%) | $215,793 (+50.38%) Land $26,502 Building $189,291 | $616,550 Land $75,720 Building $540,830 |
| 2022 | $12,037.00 Homeowner's exemption | $143,501 Land $27,031 Building $116,470 | |
| 2020 | $410,000 Land $77,230 Building $332,770 |
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 9965 Thoroughbred Ln in Zone X, an area of minimal flood risk.
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 risk around 9965 Thoroughbred 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 97% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WYOMING CITY PWS serves 9,700 people · EPA ID OH3102212 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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