Hamilton County property record for 2981 John Gray Rd, Cincinnati, OH 45251
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,368 sqft · built 1977 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $88,000 (Apr 1997) |
| Tax Bill | $3,434 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Mar 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 510-0013-0141-00 |
| Primary APN | 510-0013-0141-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 900 sqft |
| 2nd Floor Area | 468 sqft |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2981 JOHN GRAY RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45251-4267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOHNGRAY RD 70 X 150 LOT 121 BIRCH HILL SUB BLK D |
| Legal Subdivision | BIRCH HILL SUB |
| Legal Block | D |
| Legal Lot Number | 121 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | COLERAIN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20504 |
The current owner of 2981 John Gray Rd bought it in April 1997.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Occupancy | Owner Occupied |
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 21, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Mar 20, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| May 21, 2018 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Dec 8, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Dec 16, 2021 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 1997 · Amount on File |
| Deed Sale | Apr 8, 1997 · Amount on File |
| Prior Sale | Oct 4, 1994 |
| Deed Document Number | 9749323 |
| Deed Book / Page | 0000007316 / 0000000807 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Investor | Possibly a Property Investor |
| Document Number | 0000058623 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 14983/259 |
| Instrument | 2023-0058623 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019651 |
|---|---|
| Date | Mar 20, 2025 |
| Book Page | 15377/1795 |
| Instrument | 2025-0019651 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 25, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002881 |
|---|---|
| Date | May 21, 2018 |
| Instrument | 18-0042881 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Jun 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Document Number | 0000128425 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 14310/217 |
| Instrument | 2020-0128425 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2050 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 16, 2021 |
| Property Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Document Number | 0000150856 |
| Book / Page | 14565 / 2073 |
| Map Reference | MB 41 PG 44&45 |
| Instrument Date | Dec 14, 2021 |
| Instrument | 2021-0150856 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2981 JOHN GRAY RD, CINCINNATI, OH 45251-4267 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 2981 John Gray Rd was $3,434, up 7.9% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Colerain Township |
| Unified School District | Northwest Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,434.00 (+7.85%) | $59,539 (-) Land $11,270 Building $48,269 | |
| 2024 | $3,184.00 (-0.59%) | $59,539 (-) Land $11,270 Building $48,269 | |
| 2023 | $3,203.00 (+9.69%) | $59,539 (+34.54%) Land $11,270 Building $48,269 | $170,110 Land $32,200 Building $137,910 |
| 2022 | $2,920.00 Homeowner's exemption | $44,255 Land $9,265 Building $34,990 | |
| 2020 | $126,440 Land $26,470 Building $99,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2981 John Gray Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
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 | 1 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2003 · rainfall accumulation |
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 risk around 2981 John Gray Rd is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 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 |
| AT&T Fixed Wireless | 100 / 20 |
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