3080 Spencerhill Ln, Cincinnati, OH 45226 Property Records

Hamilton County property record for 3080 Spencerhill Ln, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,668 sqft · built 1999
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Aug 2021)
Tax Bill	$12,167 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-0003-0173-00`

Property Details

APN / Parcel Number

Primary APN	`045-0003-0173-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,668 sqft Living Area
Gross Area	4,062 sqft
1st Floor Area	1,394 sqft
2nd Floor Area	1,274 sqft
Basement Area	1,394 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	32 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3080 SPENCERHILL LN
City	CINCINNATI
State	OH
Zip	45226-1985
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	SPENCER HILL LN 0.17 AC LOT 24 SPENCER HILL SUB SEC 1
Legal Subdivision	SPENCER HILL SUB
Legal Lot Number	24
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4000
Census Tract	4900

Owner

Source: Hamilton County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3080 SPENCERHILL LN, CINCINNATI, OH 45226-1985
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Oct 24, 2008 · Amount on Record
Deed Document Number	202192901
Deed Book / Page	14471 / 682
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 2, 2021
Property Address	3080 SPENCERHILL LN, CINCINNATI, OH 45226-1985
Document Number	0000092901
Book / Page	14471 / 682
Map Reference	MB 345 PG 40&41
Instrument Date	Jul 21, 2021
Instrument	2021-0092901
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,695.00
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	3080 SPENCERHILL LN, CINCINNATI, OH 45226-1985

Mortgage

Document Number	0000092902
Date	Aug 2, 2021
Instrument	2021-0092902

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

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	$12,167.00 (+3.14%)	$197,750 (-) Land $51,408 Building $146,342	$565,000 (-) Land $146,880 Building $418,120
2024	$11,797.00 (-2.21%)	$197,750 (-) Land $51,408 Building $146,342
2023	$12,064.00 (-20.02%)	$197,750 (-10.87%) Land $51,408 Building $146,342	$565,000 (-10.87%) Land $146,880 Building $418,120
2022	$15,084.00 Homeowner's exemption	$221,855 Land $48,755 Building $173,100
2020			$633,870 Land $139,300 Building $494,570

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	4 in force
Nearby Flood Claims	2 (1983–1986)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1986 · tidal / storm surge

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	None beyond ember reach

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 429 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20