Hamilton County property record for 3132 W Tower Ave, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,446 sqft · built 1949 |
| Lot Size | 0.135 acres (5,881 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $106,000 (Sep 2018) |
| Tax Bill | $2,820 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 248-0003-0008-00 |
| Primary APN | 248-0003-0008-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,446 sqft Living Area |
| Gross Area | 2,462 sqft |
| 1st Floor Area | 1,016 sqft |
| Attic | Attic |
| Attic Area | 430 sqft |
| Basement Area | 1,016 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 5,881 sqft (0.135 acres) |
| Lot Dimensions | 117 ft deep x 50 ft wide |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3132 W TOWER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | W TOWER AVE 50 X 117 NS WEST TOWER AVE 400 FT W OF BOUDINOT AVE |
| Legal Subdivision | WILLIAM S P OSKAMP |
| Legal Lot Number | 206 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10900 |
Source: Hamilton County records, as of January 21, 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 Record |
|---|---|
| Mailing Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 23, 2024 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 7, 2018 | Limited Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Jan 12, 2018 | Grant Deed, Transfer INTITLE AGENCY INC |
| Oct 3, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2018 · Amount on Record |
| Deed Sale | Sep 7, 2018 · Amount on Record |
| Prior Sale | Oct 3, 2017 · Amount on Record |
| Deed Document Number | 201879598 |
| Deed Book / Page | 13748 / 1672 |
| Prior Transfer Date | Jul 20, 2004 |
| Prior Transfer Doc | 0000000681 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Document Number | 0000083570 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 15531/21 |
| Instrument | 2025-0083570 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 275 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | TIMIOS |
| Name | Verified Name |
|---|---|
| Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Document Number | 0000067057 |
|---|---|
| Date | Sep 23, 2024 |
| Book Page | 15256/1687 |
| Instrument | 2024-0067057 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Sep 1, 2048 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 7, 2018 |
| Property Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Document Number | 0000079598 |
| Book / Page | 13748 / 01672 |
| Map Reference | MB 1611 PG 411 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 2018-0079598 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 151 44TH ST SW, GRANDVILLE, MI 49418-3329 |
| Document Number | 0000079600 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 13748/01677 |
| Instrument | 2018-0079600 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 12, 2018 |
| Property Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Document Number | 0000003722 |
| Book / Page | 013583 / 000833 |
| Instrument Date | Dec 11, 2017 |
| Instrument | 3722 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2018 |
| Title Company | INTITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 350 CAMINO GARDENS BLVD #200 BOCA RATON FL 334325847, 200, BOCA RATON, FL 33432-5847 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 3, 2017 |
| Property Address | 3132 W TOWER AVE, CINCINNATI, OH 45238-3412 |
| Document Number | 0000090301 |
| Book / Page | 013515 / 000638 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 90301 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $102.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8200 JONES BRANCH DR MCLEAN VA 221023107, MCLEAN, VA 22102-3107 |
| Investor | Possibly a Property Investor |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,820.00 (+3.11%) | $45,651 (-) Land $6,542 Building $39,109 | $130,430 (-) Land $18,690 Building $111,740 |
| 2024 | $2,735.00 (-2.18%) | $45,651 (-) Land $6,542 Building $39,109 | |
| 2023 | $2,796.00 (+10.3%) | $45,651 (+23.05%) Land $6,542 Building $39,109 | $130,430 (+23.05%) Land $18,690 Building $111,740 |
| 2022 | $2,535.00 Homeowner's exemption | $37,100 Land $5,313 Building $31,787 | |
| 2020 | $106,000 Land $15,180 Building $90,820 |
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.
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 | 1 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.
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.
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 470 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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