3148 Esther Dr, Cincinnati, OH 45213 Property Records

Hamilton County property record for 3148 Esther Dr, Cincinnati, OH 45213

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,202 sqft · built 1962
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$323,900 (Oct 2013)
Tax Bill	$7,575 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`526-0130-0052-00`

Property Details

APN / Parcel Number

Primary APN	`526-0130-0052-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,202 sqft Living Area
1st Floor Area	2,202 sqft
Basement Area	2,202 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	187 ft deep x 90 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3148 ESTHER DR
City	CINCINNATI
State	OH
Zip	45213-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTHER DR 90 X 187.72 IRRLOT 18 WAYRIDGE PARK SUB
Legal Subdivision	WAYRIDGE PARK SUB
Legal Lot Number	18
Jurisdiction	HAMILTON OH
Township / Civil Division	AMBERLEY
Census Block Group	2
Census Block	2006
Census Tract	23300

Owner

3148 Esther Dr is owned and occupied by two individuals who acquired it in June 2017.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 19, 2023	Deed of Trust, Mortgage · Line of Credit NORTH SIDE BANK & TRUST COMPANY
Jan 5, 2018	Deed of Trust, Mortgage FIFTH THIRD BANK
Aug 21, 2020	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE
Jun 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2013 · Amount on File
Deed Sale	Oct 31, 2013 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Document Number	0000000902
Deed Book / Page	12454 / 01696
Last Transfer Date	Jun 22, 2017
Transfer Doc	0000056020
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012

Mortgage

Document Number	0000026496
Date	Apr 19, 2023
Book Page	14898/2321
Instrument	2023-0026496

Lender

Name	NORTH SIDE BANK & TRUST COMPANY
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 12, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001505
Date	Jan 5, 2018
Instrument	18-0001505

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	359 Months
Due	Dec 25, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012
Document Number	0000086380
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3148 ESTHER DR CINCINNATI OH 452131012, CINCINNATI, OH 45213-1012

Mortgage

Document Number	0000086380
Date	Aug 27, 2020
Book Page	014241/002101
Instrument	86380

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2050

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 22, 2017
Property Address	3148 ESTHER DR, CINCINNATI, OH 45213-1012
Document Number	0000056020
Book / Page	013444 / 000709
Instrument Date	Jun 16, 2017
Instrument	56020
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3148 ESTHER DR CINCINNATI OH 452131012, CINCINNATI, OH 45213-1012

Tax Assessment & Valuation

The 2025 property tax bill for 3148 Esther Dr was $7,575, up 3.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Amberley Village
County	Hamilton County
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,575.00 (+3.13%)	$125,559 (+%) Land $26,232 Building $99,327
2024	$7,345.00 (-2.2%)	$125,558 (-) Land $26,232 Building $99,326
2023	$7,510.00 (-8%)	$125,558 (+6.16%) Land $26,232 Building $99,326	$358,740 Land $74,950 Building $283,790
2022	$8,163.00 Homeowner's exemption	$118,276 Land $25,771 Building $92,505
2020			$337,930 Land $73,630 Building $264,300

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 3148 Esther Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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
Nearby Flood Claims	7 (1978–2026)
Most Recent Claim	Jul 2026 · rainfall accumulation

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

Wildfire risk around 3148 Esther 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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 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 417 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	1,000 / 75

May also be available: T-Mobile.

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