3169 John Gray Rd, Cincinnati, OH 45251 Property Records

Hamilton County property record for 3169 John Gray Rd, Cincinnati, OH 45251

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,468 sqft · built 1987
Lot Size	0.833 acres (36,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Jul 2026)
Tax Bill	$6,599 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`510-0013-0157-00`

Property Details

APN / Parcel Number

Primary APN	`510-0013-0157-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	4,223 sqft
1st Floor Area	1,460 sqft
2nd Floor Area	1,008 sqft
Basement Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Material	Asphalt
Lot Area	36,285 sqft (0.833 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	224 sqft
Deck Area	Deck Area
Patio Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	3169 JOHN GRAY RD
City	CINCINNATI
State	OH
Zip	45251-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SS JOHN GRAY RD 0.83 AC R2-T1-S1
Jurisdiction	HAMILTON OH
Township / Civil Division	COLERAIN
Census Block Group	2
Census Block	2001
Census Tract	20504

Owner

Source: Hamilton County records, as of August 25, 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	3169 JOHN GRAY RD, CINCINNATI, OH 45251-4221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
May 22, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Mar 20, 2017	Grant Deed, Transfer · Line of Credit GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Prior Sale	Mar 20, 2017 · Amount on Record
Deed Document Number	202658120
Deed Book / Page	15709 / 2345
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 17, 2026
Property Address	3169 JOHN GRAY RD, CINCINNATI, OH 45251-4221
Document Number	0000058120
Book / Page	15709 / 2345
Instrument Date	Jul 17, 2026
Instrument	202658120
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,920.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3169 JOHN GRAY RD, CINCINNATI, OH 45251-4221

Mortgage

Document Number	0000058121,
Date	Jul 17, 2026
Instrument	202658121

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3169 JOHN GRAY RD, CINCINNATI, OH 45251-4221
Document Number	0000050088
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3169 JOHN GRAY RD CINCINNATI OH 452514221, CINCINNATI, OH 45251-4221

Mortgage

Document Number	0000050088
Date	May 28, 2020
Book Page	014177/002826
Instrument	50088

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 20, 2017
Property Address	3169 JOHN GRAY RD, CINCINNATI, OH 45251-4221
Document Number	0000024542
Book / Page	013377 / 001589
Instrument Date	Mar 17, 2017
Instrument	24542
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$768.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3169 JOHN GRAY RD CINCINNATI OH 452514221, CINCINNATI, OH 45251-4221

Mortgage

Document Number	24543
Date	Mar 20, 2017
Book Page	013377/001591
Instrument	24543

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,599.00 (+7.83%)	$114,513 (-) Land $11,235 Building $103,278	$327,180 (-) Land $32,100 Building $295,080
2024	$6,120.00 (-0.58%)	$114,513 (-) Land $11,235 Building $103,278
2023	$6,156.00 (-11.4%)	$114,513 (+8.52%) Land $11,235 Building $103,278	$327,180 (+8.52%) Land $32,100 Building $295,080
2022	$6,948.00 Homeowner's exemption	$105,522 Land $9,289 Building $96,233
2020			$301,490 Land $26,540 Building $274,950

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	1 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2003 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 210 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

May also be available: Verizon.

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