3051 Saddleback Dr, Cincinnati, OH 45244 Property Records

Hamilton County property record for 3051 Saddleback Dr, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,722 sqft · built 1970
Lot Size	0.532 acres (23,174 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Nov 2024)
Tax Bill	$11,481 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`500-0370-0150-00`

Property Details

APN / Parcel Number

Primary APN	`500-0370-0150-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,722 sqft Living Area
1st Floor Area	1,669 sqft
2nd Floor Area	1,053 sqft
Basement Area	1,657 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	23,174 sqft (0.532 acres)
Lot Dimensions	246 ft deep x 100 ft wide
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	252 sqft
Patio Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3051 SADDLEBACK DR
City	CINCINNATI
State	OH
Zip	45244-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLEBACK DR 100 X 246.47 IRR LOT 255 TURPINHILLS SUB BLK C SEC 5
Legal Subdivision	TURPIN HILLS SUB
Legal Block	C
Legal Lot Number	255
Jurisdiction	HAMILTON OH
Township / Civil Division	ANDERSON
Census Block Group	1
Census Block	1000
Census Tract	24903

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
Co-owner	Co-owner on Record
Mailing Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Nov 5, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 2, 2022	Warranty Deed, Transfer · ARM GENERAL ELECTRIC CU
Jun 2, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit UNION SVGS
Jun 7, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTERBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2024 · Amount on Record
Deed Sale	Nov 5, 2024 · Amount on Record
Prior Sale	Aug 2, 2022 · Amount on Record
Deed Document Number	0000078565
Deed Book / Page	15287 / 546
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129572
Date	Oct 26, 2021
Book Page	14531/69
Instrument	2021-0129572

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 5, 2024
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Document Number	0000078565
Book / Page	15287 / 546
Map Reference	MB 11 PG 11&12
Instrument Date	Oct 30, 2024
Instrument	2024-0078565
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
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	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820

Mortgage

Document Number	0000078566
Date	Nov 5, 2024
Instrument	2024-0078566

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 2, 2022
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Document Number	0000075289
Book / Page	14721 / 1479
Map Reference	MB 11 PG 11&12
Instrument Date	Jul 27, 2022
Instrument	2022-0075289
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075290
Date	Aug 2, 2022
Instrument	2022-0075290

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Document Number	0000053837
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3051 SADDLEBACK DR CINCINNATI OH 452443820, CINCINNATI, OH 45244-3820

Mortgage

Document Number	0000053837
Date	Jun 9, 2020
Book Page	014185/000573
Instrument	53837

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Jun 8, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Document Number	0000065247
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3051 SADDLEBACK DR CINCINNATI OH 452443820, CINCINNATI, OH 45244-3820

Mortgage

Document Number	0000065247
Date	Jul 8, 2020
Book Page	014205/001481
Instrument	65247

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 7, 2030

Interest

Rate Type	Adjustable Rate
Rate	2%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 7, 2017
Property Address	3051 SADDLEBACK DR, CINCINNATI, OH 45244-3820
Document Number	0000050651
Book / Page	013433 / 000189
Instrument Date	May 30, 2017
Instrument	50651
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.00
Amount Accuracy	Confirmed
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	3051 SADDLEBACK DR CINCINNATI OH 452443820, CINCINNATI, OH 45244-3820

Mortgage

Document Number	50652
Date	Jun 7, 2017
Book Page	013433/000191
Instrument	50652

Lender

Name	CENTERBANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Mortgage

Document Number	50653,
Date	Jun 7, 2017
Book Page	013433/000205
Instrument	50653

Lender

Name	CENTERBANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Anderson Township
Unified School District	Forest Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,481.00 (-1.43%)	$183,750 (-) Land $27,580 Building $156,170
2024	$11,648.00 (+6.55%)	$183,750 (-) Land $27,580 Building $156,170
2023	$10,932.00 (+3.97%)	$183,750 (+13.32%) Land $27,580 Building $156,170	$525,000 (+13.32%) Land $78,800 Building $446,200
2022	$10,515.00 Homeowner's exemption	$162,156 Land $24,035 Building $138,121
2020			$463,300 Land $68,670 Building $394,630

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

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

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 185 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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