Hamilton County property record for 3109 Northgate Dr, Cincinnati, OH 45248
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,629 sqft · built 1963 |
| Lot Size | 0.862 acres (37,549 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Jun 2025) |
| Tax Bill | $6,369 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Jun 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 550-0162-0429-00 |
| Primary APN | 550-0162-0429-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,629 sqft Living Area |
| 1st Floor Area | 2,137 sqft |
| 2nd Floor Area | 1,492 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Lot Area | 37,549 sqft (0.862 acres) |
| Lot Dimensions | 195 ft deep x 171 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 320 sqft |
| Patio Area | 592 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3109 NORTHGATE DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45248-5008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WERK RD 171.89 X 195 IRR LOT 26 WERKMEADOWS SUB BLK A |
| Legal Subdivision | WERKMEADOWS SUB |
| Legal Block | A |
| Legal Lot Number | 26 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | GREEN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21002 |
3109 Northgate Dr is owned and occupied by an individual who bought it in June 2025.
Source: Hamilton County records, as of February 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 184 N SOUTH ST, WILMINGTON, OH 45177-1659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2025 | Warranty Deed, Transfer · Conventional Mortgage THE WILMINGTON SAVINGS BANK |
| Jun 5, 2025 | Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage THE WILMINGTON SAVINGS BANK |
| Dec 10, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Dec 10, 2019 | Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND |
| May 16, 2019 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Feb 28, 2018 | Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Jan 10, 2018 | Affidavit of Death, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on File |
| Deed Sale | Jun 5, 2025 · Amount on File |
| Prior Sale | Jun 5, 2025 |
| Deed Document Number | 2025-0041597 |
| Deed Book / Page | 15431 / 507 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 5, 2025 |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000041597 |
| Book / Page | 15431 / 507 |
| Map Reference | MB 106 PG 25&26 |
| Instrument Date | May 29, 2025 |
| Instrument | 2025-0041597 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 184 N SOUTH ST, WILMINGTON, OH 45177-1659 |
| Document Number | 0000041598 |
|---|---|
| Date | Jun 5, 2025 |
| Instrument | 2025-0041598 |
| Name | THE WILMINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 5, 2025 |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000041596 |
| Book / Page | 15431 / 504 |
| Map Reference | MB 106 PG 25&26 |
| Instrument Date | May 29, 2025 |
| Instrument | 2025-0041596 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000041598 |
|---|---|
| Date | Jun 5, 2025 |
| Book Page | 15431/509 |
| Instrument | 2025-0041598 |
| Name | THE WILMINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, OH 45177 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000115302 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3109 NORTHGATE DR CINCINNATI OH 452485008, CINCINNATI, OH 45248-5008 |
| Document Number | 0000115302 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 014073/001609 |
| Instrument | 115302 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000111591 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3109 NORTHGATE DR CINCINNATI OH 452485008, CINCINNATI, OH 45248-5008 |
| Document Number | 0000111591 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 014065/001161 |
| Instrument | 111591 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.29% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000042476 |
| Instrument Date | May 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 3109 NORTHGATE DR CINCINNATI OH 452485008, CINCINNATI, OH 45248-5008 |
| Document Number | 0000042476 |
|---|---|
| Date | Jun 3, 2019 |
| Book Page | 013930/000392 |
| Instrument | 42476 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 2, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 28, 2018 |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000017022 |
| Book / Page | 013614 / 001278 |
| Instrument Date | Feb 9, 2018 |
| Instrument | 17022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3109 NORTHGATE DR CINCINNATI OH 452485008, CINCINNATI, OH 45248-5008 |
| Document Number | 17023 |
|---|---|
| Date | Feb 28, 2018 |
| Book Page | 013614/001280 |
| Instrument | 17023 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2048 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 10, 2018 |
| Property Address | 3109 NORTHGATE DR, CINCINNATI, OH 45248-5008 |
| Document Number | 0000002815 |
| Book / Page | 013581 / 001509 |
| Instrument Date | Jan 8, 2018 |
| Instrument | 2815 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3109 NORTHGATE DR CINCINNATI OH 452485008, CINCINNATI, OH 45248-5008 |
The 2025 property tax bill for 3109 Northgate Dr was $6,369 with a homeowner's exemption, up 2.5% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Green Township |
| Unified School District | Oak Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,369.00 (+2.48%) Homeowner's exemption | $132,503 (-) Land $11,585 Building $120,918 | |
| 2024 | $6,215.00 (-0.77%) Homeowner's exemption | $132,503 (-) Land $11,585 Building $120,918 | |
| 2023 | $6,263.00 (+35.15%) Homeowner's exemption | $132,503 (+53.97%) Land $11,585 Building $120,918 | $378,580 Land $33,100 Building $345,480 |
| 2022 | $4,634.00 Homeowner's exemption | $86,058 Land $10,388 Building $75,670 | |
| 2020 | $245,880 Land $29,680 Building $216,200 |
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.
FEMA maps place 3109 Northgate Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3109 Northgate Dr is low, with less than 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 98% of the US · lower than 90% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 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 |
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