Hamilton County property record for 3190 S Whitetree Cir, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,489 sqft · built 1963 |
| Lot Size | 1 acres (43,691 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,900 (Dec 2017) |
| Tax Bill | $9,828 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit Nov 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 526-0120-0315-00 |
| Primary APN | 526-0120-0315-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,489 sqft Living Area |
| 1st Floor Area | 2,489 sqft |
| Basement Area | 999 sqft |
| Finished Basement | 690 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 43,691 sqft (1 acres) |
| Lot Dimensions | 227 ft deep x 192 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3190 S WHITETREE CIR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S WHITETREE CIR 192 X 227.51 LOT 34 WHITETREE ESTATES BLK C |
| Legal Subdivision | WHITETREE ESTATES |
| Legal Block | C |
| Legal Lot Number | 34 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | AMBERLEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 23300 |
Source: Hamilton County records, as of February 9, 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 | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO |
| Nov 27, 2023 | Transfer on Death Deed, Transfer |
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Feb 27, 2019 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Dec 13, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2017 · Amount on Record |
| Deed Sale | Dec 13, 2017 · Amount on Record |
| Prior Sale | Jun 19, 2003 · Amount on Record |
| Deed Document Number | 17-0113011 |
| Deed Book / Page | 013563 / 000297 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Number | 0000024713 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 14363/1671 |
| Instrument | 2021-0024713 |
| Name | THE NORTH SIDE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 27, 2023 |
| Property Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Number | 0000083331 |
| Book / Page | 15049 / 1896 |
| Map Reference | MB 10 PG 59&60 |
| Instrument Date | Nov 13, 2023 |
| Instrument | 2023-0083331 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Number | 0000036666 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3190 S WHITETREE CIR CINCINNATI OH 452361344, CINCINNATI, OH 45236-1344 |
| Document Number | 0000036666 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 014150/002225 |
| Instrument | 36666 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60640 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 19, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Number | 0000016729 |
| Instrument Date | Feb 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3190 S WHITETREE CIR CINCINNATI OH 452361344, CINCINNATI, OH 45236-1344 |
| Document Number | 0000016729 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 013868/001490 |
| Instrument | 16729 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 5, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 13, 2017 |
| Property Address | 3190 S WHITETREE CIR, CINCINNATI, OH 45236-1344 |
| Document Number | 0000113011 |
| Book / Page | 013563 / 000297 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 113011 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $779.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3190 S WHITETREE CIR CINCINNATI OH 452361344, CINCINNATI, OH 45236-1344 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| Municipality | Amberley Village |
| County | Hamilton County |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,828.00 (+3.14%) | $162,904 (-) Land $27,482 Building $135,422 | |
| 2024 | $9,529.00 (-2.2%) | $162,904 (-) Land $27,482 Building $135,422 | |
| 2023 | $9,743.00 (+15.91%) | $162,904 (+33.75%) Land $27,482 Building $135,422 | $465,440 (+33.75%) Land $78,520 Building $386,920 |
| 2022 | $8,406.00 Homeowner's exemption | $121,794 Land $22,180 Building $99,614 | |
| 2020 | $347,980 Land $63,370 Building $284,610 |
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 | 4 in force |
| Nearby Flood Claims | 5 (1979–2014) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | May 2014 · other causes |
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 | Low lower than 97% of the US · lower than 85% 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 271 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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