3 N Cliff Ter, Cincinnati, OH 45220 Property Records

Hamilton County property record for 3 N Cliff Ter, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,556 sqft · built 1966
Lot Size	5.16 acres (224,987 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,473 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-0060-0047-00`

Property Details

APN / Parcel Number

Primary APN	`218-0060-0047-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,556 sqft Living Area
1st Floor Area	2,149 sqft
2nd Floor Area	1,407 sqft
Basement Area	1,603 sqft
Finished Basement	800 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	224,987 sqft (5.16 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3 N CLIFF TER
City	CINCINNATI
State	OH
Zip	45220-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NS LAFAYETTE AVE 5.165 ACSS21 & 22 T3 FR2
Legal Subdivision	CLIFTON FARM
Legal Lot Number	6 10
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	7100

Owner

3 N Cliff Ter is owned and occupied by two individuals who acquired it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
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 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FSLA
May 17, 2022	Transfer on Death Deed, Transfer
Aug 28, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FED'L
Apr 2, 2018	Quit Claim Deed, Transfer OTHER
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018
Deed Sale	Apr 2, 2018
Prior Sale	Jul 12, 2017 · Amount on File
Deed Document Number	18-0026460
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052724
Date	Apr 28, 2021
Book Page	14406/274
Instrument	2021-0052724

Lender

Name	CINCINNATI FSLA
Type	Bank
Address	CINCINNATI, OH 45225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	May 17, 2022
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Document Number	0000049058
Book / Page	14669 / 924
Instrument Date	Apr 27, 2022
Instrument	2022-0049058
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Document Number	0000095094
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 N CLIFF TER CINCINNATI OH 452201010, CINCINNATI, OH 45220-1010

Mortgage

Document Number	0000095094
Date	Sep 18, 2020
Book Page	014256/000099
Instrument	95094

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Document Number	0000035821
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 N CLIFF TER CINCINNATI OH 452201010, CINCINNATI, OH 45220-1010

Mortgage

Document Number	0000035821
Date	Apr 16, 2020
Book Page	014148/002705
Instrument	35821

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2035

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 2, 2018
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Document Number	0000026460
Book / Page	013637 / 000009
Instrument Date	Mar 16, 2018
Instrument	26460
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 N CLIFF TER CINCINNATI OH 452201010, CINCINNATI, OH 45220-1010

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 12, 2017
Property Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010
Document Number	0000002741
Map Reference	MB 94 PG 142
Instrument Date	Jun 9, 2017
Instrument	17-0062741
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	$1,255.00
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 Venture
Address	3 N CLIFF TER, CINCINNATI, OH 45220-1010

Mortgage

Document Number	0000002742
Date	Jul 12, 2017
Instrument	17-0062742

Lender

Name	AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 N Cliff Ter was $13,473, up 2.5% 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	$13,473.00 (+2.46%)	$217,805 (-) Land $98,707 Building $119,098
2024	$13,149.00 (-11.38%)	$217,805 (-9.87%) Land $98,707 Building $119,098
2023	$14,837.00 (+47.56%)	$241,651 (+64.78%) Land $98,707 Building $142,944	$622,300 Land $282,020 Building $340,280
2022	$10,055.00 Homeowner's exemption	$146,651 Land $88,428 Building $58,223
2020			$419,000 Land $252,650 Building $166,350

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

Flood

FEMA maps place 3 N Cliff Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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 Claims	4 (1978–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2015 · other causes

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 3 N Cliff Ter 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	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 95 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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