3198 Harmony Ln, Cincinnati, OH 45248 Property Records

Hamilton County property record for 3198 Harmony Ln, Cincinnati, OH 45248 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 957 sqft · built 1961
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on File
Last Sale	$167,000 (May 2021)
Tax Bill	$3,125 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`550-0162-0423-00`

Property Details

APN / Parcel Number

Primary APN	`550-0162-0423-00`
Alternative APN	`0041417`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	957 sqft Living Area
Gross Area	1,914 sqft
1st Floor Area	957 sqft
Basement Area	957 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	149 ft deep x 62.7 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	375 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3198 HARMONY LN
City	CINCINNATI
State	OH
Zip	45248-5122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY LN 62.66 X 149.10IRR LOT 19 SKYLARK MEADOWSUB BL E
Legal Subdivision	SKYLARK MEADOWSUB
Legal Block	E
Legal Lot Number	19
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	3
Census Block	3001
Census Tract	21003

Owner

Source: Hamilton County records · APN 550-0162-0423-00

Assessment roll updated January 21, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	35 METACOMET RD, WEST BRIDGEWATER, MA 02379-1915
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC
Dec 13, 2022	Intrafamily Transfer, Transfer
May 05, 2021	Warranty Deed, Transfer · Conventional Mortgage OPTION FINANCIAL LLC
Mar 20, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 05, 2021 · Amount on Record
Deed Sale	May 05, 2021 · Amount on Record
Prior Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	202155768
Deed Book / Page	14411 / 759
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3198 HARMONY LN, CINCINNATI, OH 45248-5122
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000151321
Date	Dec 17, 2021
Book Page	14566/2066
Instrument	2021-0151321

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Dec 13, 2022
Property Address	3198 HARMONY LN, CINCINNATI, OH 45248-5122
Document Number	0000112772
Book / Page	14812 / 624
Instrument Date	Dec 03, 2022
Instrument	2022-0112772
Transaction Type	Transfer
Record Updated	Jan 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 E MAIN ST STE 6308, 6308, NORTON, MA 02766-2488

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 05, 2021
Property Address	3198 HARMONY LN, CINCINNATI, OH 45248-5122
Document Number	0000055768
Book / Page	14411 / 759
Map Reference	MB 102 PG 65
Instrument Date	Apr 26, 2021
Instrument	2021-0055768
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$501.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 E MAIN ST STE 6308, 6308, NORTON, MA 02766-2488

Mortgage

Document Number	0000055769
Date	May 05, 2021
Instrument	2021-0055769

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 20, 2019
Property Address	3198 HARMONY LN, CINCINNATI, OH 45248-5122
Document Number	0000020582
Book / Page	13878 / 00831
Map Reference	MB 102 PG 65
Instrument Date	Mar 15, 2019
Instrument	2019-0020582
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$560.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3198 HARMONY LN, CINCINNATI, OH 45248-5122

Mortgage

Document Number	0000020583
Date	Mar 20, 2019
Instrument	2019-0020583

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,125.00 (-0.22%)	$58,450 (-) Land $12,215 Building $46,235	$167,000 (-) Land $34,900 Building $132,100
2024	$3,132.00 (+1.72%)	$58,450 (-) Land $12,215 Building $46,235
2023	$3,079.00 (+1.65%)	$58,450 (+19.16%) Land $12,215 Building $46,235	$167,000 (+19.16%) Land $34,900 Building $132,100
2022	$3,029.00	$49,053 Land $10,906 Building $38,147
2020			$140,150 Land $31,160 Building $108,990

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 3% of the US · above 15% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 560 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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