3161 Blue Rock Rd, Cincinnati, OH 45239 Property Records

Hamilton County property record for 3161 Blue Rock Rd, Cincinnati, OH 45239

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,501 sqft · built 1988
Lot Size	0.826 acres (36,024 sqft)
Owner	Individual Name on File
Last Sale	$212,830 (Apr 2024)
Tax Bill	$8,074 (2025)
Deeds & Mortgages	Jan 2026 Transfer Oct 2025 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`550-0011-0313-00`

Property Details

APN / Parcel Number

Primary APN	`550-0011-0313-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,501 sqft Living Area
1st Floor Area	1,683 sqft
2nd Floor Area	818 sqft
Attic Area	92 sqft
Basement Area	1,683 sqft
Finished Basement	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	36,024 sqft (0.826 acres)
Lot Width	20 ft Width
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3161 BLUE ROCK RD
City	CINCINNATI
State	OH
Zip	45239-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE ROCK RD 20.44 X FT IRR LOT 4 SCHEPKER SUB
Legal Subdivision	SCHEPKER SUB
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	1
Census Block	1000
Census Tract	20763

Owner

3161 Blue Rock Rd is owned and occupied by an individual who bought it in April 2024.

Source: Hamilton County records, as of February 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341
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
Jan 23, 2026	Transfer on Death Deed, Transfer
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Jul 15, 2019	Survivorship Deed, Transfer · ARM UNITED SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2024 · Amount on File
Deed Sale	Apr 4, 2024 · Amount on File
Prior Sale	Jul 15, 2019 · Amount on File
Deed Document Number	0000022268
Deed Book / Page	15138 / 1836
Record Updated	Jun 8, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 23, 2026
Property Address	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341
Document Number	0000005676
Book / Page	15588 / 1540
Map Reference	MB 264 PG 57
Instrument Date	Jan 21, 2026
Instrument	2026-0005676
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341

Mortgage

Document Number	0000080101
Date	Oct 15, 2025
Book Page	15522/1092
Instrument	2025-0080101

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45242

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 9, 2045

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	May 1, 2026
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	8.99%
Index	Other
Max Rate	12.9%

July 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 15, 2019
Property Address	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341
Document Number	0000056325
Book / Page	13958 / 00105
Map Reference	MB 264 PG 57
Instrument Date	Jun 28, 2019
Instrument	2019-0056325
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	OLD TOWN TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
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	3161 BLUE ROCK RD, CINCINNATI, OH 45239-6341

Mortgage

Document Number	0000056326
Date	Jul 15, 2019
Instrument	2019-0056326

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 3161 Blue Rock Rd was $8,074, up 2.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,074.00 (+2.28%)	$148,981 (-) Land $12,460 Building $136,521
2024	$7,894.00 (-0.48%)	$148,981 (-) Land $12,460 Building $136,521
2023	$7,932.00 (+8.64%)	$148,981 (+33.02%) Land $12,460 Building $136,521	$425,660 Land $35,600 Building $390,060
2022	$7,301.00 Homeowner's exemption	$112,000 Land $11,172 Building $100,828
2020			$320,000 Land $31,920 Building $288,080

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3161 Blue Rock Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (2019–2026)
Most Recent Claim	Jul 2026

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 3161 Blue Rock Rd 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 94% of the US · lower than 74% 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 298 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	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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