Hamilton County property record for 3245 Banning Rd, Cincinnati, OH 45239
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,384 sqft · built 1963 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,548 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 510-0081-0427-00 |
| Primary APN | 510-0081-0427-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| Gross Area | 2,204 sqft |
| 1st Floor Area | 1,102 sqft |
| Basement Area | 1,102 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 8,451 sqft (0.194 acres) |
| Lot Dimensions | 124 ft deep x 71.1 ft wide |
| Garage Type | Basement |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3245 BANNING RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45239-5206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BANNING RD 71.14 X 124.03IRR LOT 5 AIRY HTS SUB BLK A |
| Legal Subdivision | AIRY HTS SUB |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | COLERAIN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20764 |
Source: Hamilton County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3001 HACKBERRY RD, IRVING, TX 75063-0156 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Aug 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA |
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 3, 2026 | Intrafamily Transfer, Transfer · Line of Credit FIFTH THIRD BANK NA |
| Aug 25, 2018 | Loan Modification, Mortgage · FHA Mortgage MB FIN'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2009 |
| Deed Sale | Mar 26, 2009 |
| Prior Sale | Aug 15, 1997 · Amount on Record |
| Deed Document Number | 200938669 |
| Deed Book / Page | 11099 / 929 |
| Prior Transfer Date | Mar 20, 2009 |
| Prior Transfer Doc | 0000000669 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000077272 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 14726/775 |
| Instrument | 2022-0077272 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Document Number | 0000099311 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 14482/447 |
| Instrument | 2021-0099311 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 20, 2026 |
| Property Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Document Number | 0000029349 |
| Book / Page | 15648 / 447 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202629349 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Document Number | 0000029349, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 15648/447 |
| Instrument | 202629349 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 3, 2026 |
| Property Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Document Number | 0000008010 |
| Book / Page | 15595 / 615 |
| Map Reference | MB 108 PG 68 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2026-0008010 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3001 HACKBERRY RD, IRVING, TX 75063-0156 |
| Document Number | 0000019319 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 2026-0019319 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3245 BANNING RD, CINCINNATI, OH 45239-5206 |
| Document Number | 0000094535 |
| Instrument Date | Aug 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3245 BANNING RD CINCINNATI OH 452395206, CINCINNATI, OH 45239-5206 |
| Document Number | 0000094535 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 013780/002315 |
| Instrument | 94535 |
| Name | MB FIN'L BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, OH 45177 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Colerain Township |
| Unified School District | Northwest Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,548.00 (+7.68%) | $60,068 (+%) Land $12,219 Building $47,849 | $171,620 (-) Land $34,910 Building $136,710 |
| 2024 | $3,295.00 (+2.2%) | $60,066 (-) Land $12,218 Building $47,848 | |
| 2023 | $3,224.00 (+18.84%) | $60,066 (+45.75%) Land $12,218 Building $47,848 | $171,620 (+45.75%) Land $34,910 Building $136,710 |
| 2022 | $2,713.00 Homeowner's exemption | $41,213 Land $10,791 Building $30,422 | |
| 2020 | $117,750 Land $30,830 Building $86,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
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 95% of the US · lower than 78% 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 587 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 |
| AT&T Fixed Wireless | 100 / 20 |
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