303 Central Ave, Lockland (Cincinnati), OH 45215 Property Records

Hamilton County property record for 303 Central Ave, Lockland, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1910
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Jul 2023)
Tax Bill	$2,497 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`641-0014-0295-00`

Property Details

APN / Parcel Number

Primary APN	`641-0014-0295-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,220 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	740 sqft
2nd Floor Area	480 sqft
Basement Area	740 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	135 ft deep x 33.3 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	303 CENTRAL AVE
City	LOCKLAND
State	OH
Zip	45215-4634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL AVE 33.33 X 135 PTS LOTS 14-15 CONKLINS SUB
Legal Subdivision	CONKLINS SUB
Legal Lot Number	14-15
Jurisdiction	HAMILTON OH
Township / Civil Division	LOCKLAND
Census Block Group	2
Census Block	2029
Census Tract	27400

Owner

303 Central Ave is owned and occupied by two individuals who bought it in July 2023.

Source: Hamilton County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Sep 8, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 3, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 14, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jul 17, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 20, 2019	Grant Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Nov 20, 2019 · Amount on File
Deed Document Number	202349113
Deed Book / Page	14958 / 1294
Prior Transfer Date	Aug 3, 2016
Prior Transfer Doc	0000077320
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Sep 8, 2026
Property Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Document Number	0000073568
Book / Page	15745 / 75
Instrument Date	Aug 13, 2026
Instrument	202673568
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634

Mortgage

Document Number	0000073568,
Date	Sep 8, 2026
Book Page	15745/75
Instrument	202673568

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634

Mortgage

Document Number	0000145150
Date	Dec 3, 2021
Book Page	14556/154
Instrument	2021-0145150

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Dec 1, 2049

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634

Mortgage

Document Number	0000081336
Date	Nov 14, 2024
Book Page	15293/2133
Instrument	2024-0081336

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 17, 2023
Property Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Document Number	0000049113
Book / Page	14958 / 1294
Map Reference	MB 3 PG 162&163
Instrument Date	Jun 28, 2023
Instrument	2023-0049113
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.00
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	303 CENTRAL AVE, LOCKLAND, OH 45215-4634

Mortgage

Document Number	0000049114
Date	Jul 17, 2023
Instrument	2023-0049114

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0000049115
Date	Jul 17, 2023
Book Page	14958/1312
Instrument	2023-0049115

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROCKLIN, CA 95765

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 20, 2019
Property Address	303 CENTRAL AVE, LOCKLAND, OH 45215-4634
Document Number	0000102392
Book / Page	014048 / 000690
Instrument Date	Nov 15, 2019
Instrument	102392
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$454.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CENTRAL AVE LOCKLAND OH 452154634, LOCKLAND, OH 45215-4634

Mortgage

Document Number	102393
Date	Nov 20, 2019
Book Page	014048/000693
Instrument	102393

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 303 Central Ave was $2,497, up 0.5% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Lockland Village
Unified School District	Lockland Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,497.00 (+0.48%)	$45,451 (-) Land $2,457 Building $42,994	$129,860 Land $7,020 Building $122,840
2024	$2,485.00 (-0.76%)	$45,451 (-) Land $2,457 Building $42,994
2023	$2,504.00 (-8.31%)	$45,451 (+14.41%) Land $2,457 Building $42,994	$129,860 Land $7,020 Building $122,840
2022	$2,731.00 Homeowner's exemption	$39,726 Land $2,160 Building $37,566
2020			$113,500 Land $6,170 Building $107,330

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 303 Central Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 303 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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