2712 Arbor Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 2712 Arbor Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,860 sqft · built 1901
Lot Size	0.107 acres (4,661 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Oct 2020)
Tax Bill	$8,076 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-0004-0084-00`

Property Details

APN / Parcel Number

Primary APN	`040-0004-0084-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,860 sqft Living Area
1st Floor Area	750 sqft
2nd Floor Area	750 sqft
Attic	Attic
Attic Area	360 sqft
Basement Area	750 sqft

Exterior

Year Built	Built 1901
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,661 sqft (0.107 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2712 ARBOR AVE
City	CINCINNATI
State	OH
Zip	45209-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2712 ARBOR AVE 40 X 125 LEWIS DRAKES EST NS ARBORAVE 130 FT E OF EDWARDS
Legal Subdivision	HYDE PARK
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3004
Census Tract	5200

Owner

2712 Arbor Ave is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207
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
Apr 3, 2018	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage WESTERN OHIO MORTGAGE CORP
Oct 30, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Oct 30, 2019 · Amount on File
Deed Document Number	0000114369
Deed Book / Page	14286 / 2002
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027004
Date	Apr 3, 2018
Instrument	18-0027004

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 30, 2020
Property Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207
Document Number	0000114369
Book / Page	14286 / 2002
Instrument Date	Oct 15, 2020
Instrument	2020-0114369
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207

Mortgage

Document Number	0000114370
Date	Oct 30, 2020
Instrument	2020-0114370

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 30, 2019
Property Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207
Document Number	0000094719
Book / Page	14034 / 01861
Instrument Date	Oct 11, 2019
Instrument	2019-0094719
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,368.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2712 ARBOR AVE, CINCINNATI, OH 45209-2207

Mortgage

Document Number	0000094720
Date	Oct 30, 2019
Instrument	2019-0094720

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2712 Arbor Ave was $8,076, up 3.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,076.00 (+3.14%)	$131,250 (-) Land $45,857 Building $85,393
2024	$7,830.00 (-2.21%)	$131,250 (-) Land $45,857 Building $85,393
2023	$8,007.00 (-1.63%)	$131,250 (+9.65%) Land $45,857 Building $85,393	$375,000 Land $131,020 Building $243,980
2022	$8,140.00 Homeowner's exemption	$119,701 Land $43,971 Building $75,730
2020			$342,000 Land $125,630 Building $216,370

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 2712 Arbor Ave 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 2712 Arbor Ave 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 852 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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