2981 Werk Rd, Cincinnati, OH 45211 Property Records

Hamilton County property record for 2981 Werk Rd, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,380 sqft · built 1897
Lot Size	0.601 acres (26,223 sqft)
Owner	Individual Name on Record
Tax Bill	$7,252 (2025)
Deeds & Mortgages	Jan 2025 Transfer Dec 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`208-0059-0295-00`

Property Details

APN / Parcel Number

Primary APN	`208-0059-0295-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,380 sqft Living Area
1st Floor Area	1,245 sqft
2nd Floor Area	1,135 sqft
Attic	Attic
Attic Area	1,060 sqft
Basement Area	1,090 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	26,223 sqft (0.601 acres)
Lot Dimensions	212 ft deep x 319 ft wide
Garage Type	Detached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2981 WERK RD
City	CINCINNATI
State	OH
Zip	45211-7041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WERK RD 124.10 X 212.13 IRR SS WERK RD
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3001
Census Tract	10202

Owner

Source: Hamilton County records, as of February 9, 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	2981 WERK RD, CINCINNATI, OH 45211-7041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2025	Quit Claim Deed, Transfer RIVERTOWNE TITLE LLC
Dec 31, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Dec 14, 2020	Loan Modification, Mortgage EAGLE SVGS BK
Nov 20, 2020	Loan Modification, Mortgage UNION SVGS
May 10, 2019	Deed of Trust, Mortgage UNION SVGS
Feb 11, 2019	Survivorship Deed, Transfer · ARM UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2020
Deed Sale	Dec 31, 2020
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	0000138720
Deed Book / Page	014325 / 002612
Last Transfer Date	Jan 3, 2025
Transfer Doc	0000000283
Record Updated	Jun 8, 2026

January 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 3, 2025
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000000283
Book / Page	15325 / 373
Instrument Date	Jan 3, 2025
Instrument	2025-0000283
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	RIVERTOWNE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 WERK RD, CINCINNATI, OH 45211-7041

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 31, 2020
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000138720
Book / Page	014325 / 002612
Instrument Date	Dec 14, 2020
Instrument	138720
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
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	2981 WERK RD CINCINNATI OH 452117041, CINCINNATI, OH 45211-7041

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000138721
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2981 WERK RD CINCINNATI OH 452117041, CINCINNATI, OH 45211-7041

Mortgage

Document Number	0000138721
Date	Dec 31, 2020
Book Page	014325/002614
Instrument	138721

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000129278
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	414 BURNS AVE WYOMING OH 452154302, WYOMING, OH 45215-4302

Mortgage

Document Number	0000129278
Date	Dec 9, 2020
Book Page	014311/001869
Instrument	129278

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000038367
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2981 WERK RD CINCINNATI OH 452117041, CINCINNATI, OH 45211-7041

Mortgage

Document Number	0000038367
Date	May 17, 2019
Book Page	013920/001645
Instrument	38367

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

February 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 11, 2019
Property Address	2981 WERK RD, CINCINNATI, OH 45211-7041
Document Number	0000010499
Book / Page	13852 / 00176
Instrument Date	Jan 22, 2019
Instrument	2019-0010499
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OLD TOWN TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8534 E KEMPER RD, CINCINNATI, OH 45249-3701

Mortgage

Document Number	0000010501
Date	Feb 11, 2019
Instrument	2019-0010501

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

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	$7,252.00 (+2.72%)	$108,850 (-) Land $13,615 Building $95,235
2024	$7,060.00 (-1.93%)	$108,850 (-) Land $13,615 Building $95,235
2023	$7,199.00 (+11.65%)	$108,850 (+25.66%) Land $13,615 Building $95,235	$311,000 (+25.66%) Land $38,900 Building $272,100
2022	$6,448.00 Homeowner's exemption	$86,625 Land $11,893 Building $74,732
2020			$247,500 Land $33,980 Building $213,520

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 506 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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