Hamilton County property record for 9985 Thoroughbred Ln, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,436 sqft · built 2001 |
| Lot Size | 0.599 acres (26,092 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,900 (Dec 2000) |
| Tax Bill | $11,314 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0171-0017-00 |
| Primary APN | 590-0171-0017-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,436 sqft Living Area |
| Gross Area | 6,328 sqft |
| 1st Floor Area | 1,988 sqft |
| 2nd Floor Area | 999 sqft |
| Attic | Attic |
| Attic Area | 449 sqft |
| Basement Area | 1,956 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 26,092 sqft (0.599 acres) |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 75 sqft |
| Patio Area | 520 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 9985 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 0.599 AC LOT 11 THE MEADOWS OF WRIGHT FARM PHASE 1 |
| Legal Subdivision | THE MEADOWS OF WRIGHT FARM PHASE 1 |
| Legal Lot Number | 11 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 22101 |
Source: Hamilton County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 9985 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2000 · Amount on Record |
| Deed Sale | Dec 28, 2000 · Amount on Record |
| Deed Document Number | 2000199854 |
| Deed Book / Page | 8454 / 480 |
| Last Transfer Date | Mar 7, 2011 |
| Transfer Doc | 0000000889 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9985 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000797 |
|---|---|
| Date | May 14, 2018 |
| Instrument | 18-0040797 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | FAIRFIELD, OH 45014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9985 THOROUGHBRED LN, CINCINNATI, OH 45231-2780 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000027580 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 14624/2068 |
| Instrument | 2022-0027580 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 9% |
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 | $11,314.00 (+2.59%) | $168,147 (-) Land $22,295 Building $145,852 | $480,420 (-) Land $63,700 Building $416,720 |
| 2024 | $11,028.00 (+4.19%) | $168,147 (-) Land $22,295 Building $145,852 | |
| 2023 | $10,585.00 (-10.61%) | $168,147 (+19.27%) Land $22,295 Building $145,852 | $480,420 (+19.27%) Land $63,700 Building $416,720 |
| 2022 | $11,841.00 Homeowner's exemption | $140,984 Land $22,740 Building $118,244 | |
| 2020 | $402,810 Land $64,970 Building $337,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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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