3405 Oak Ln, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3405 Oak Ln, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,153 sqft · built 1939
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$248,000 (Jun 2017)
Tax Bill	$5,280 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-0002-0391-00`

Property Details

APN / Parcel Number

Primary APN	`039-0002-0391-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,153 sqft Living Area
Gross Area	1,890 sqft
1st Floor Area	653 sqft
2nd Floor Area	500 sqft
Upper Floors Area	500 sqft
Basement Area	737 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	91.8 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3405 OAK LN
City	CINCINNATI
State	OH
Zip	45209-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	3405 OAK LN 45 X 91.75 PT LOT 28 A FERRIS SUB
Legal Subdivision	FERRIS SUB
Legal Lot Number	28
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3000
Census Tract	5302

Owner

Source: Hamilton County assessment roll, as of January 21, 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 File
Mailing Address	3405 OAK LN, CINCINNATI, OH 45209-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2017	Warranty Deed, Transfer · FHA Mortgage WARSAW FED'L S&L ASSN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 5, 2017 · Amount on Record
Deed Sale	Jun 5, 2017 · Amount on Record
Prior Sale	Aug 19, 2009 · Amount on Record
Deed Document Number	201749770
Prior Transfer Date	Jul 15, 1999
Prior Transfer Doc	0000141447
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3405 OAK LN, CINCINNATI, OH 45209-1824
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000014213
Date	Mar 1, 2023
Book Page	14863/1681
Instrument	2023-0014213

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2063

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 5, 2017
Property Address	3405 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000049770
Book / Page	013431 / 000570
Instrument Date	May 31, 2017
Instrument	49770
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$744.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 OAK LN CINCINNATI OH 452091824, CINCINNATI, OH 45209-1824

Mortgage

Document Number	49771
Date	Jun 5, 2017
Book Page	013431/000572
Instrument	49771

Lender

Name	WARSAW FED'L S&L ASSN
Type	Federal Savings Bank
Address	CINCINNATI, OH 45205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,280.00 (+3.81%)	$104,724 (-) Land $38,437 Building $66,287	$299,210 (-) Land $109,820 Building $189,390
2024	$5,086.00 (-2.66%)	$104,724 (-) Land $38,437 Building $66,287
2023	$5,225.00 (-23.07%)	$104,724 (+4.91%) Land $38,437 Building $66,287	$299,210 (+4.91%) Land $109,820 Building $189,390
2022	$6,792.00 Homeowner's exemption	$99,821 Land $35,340 Building $64,481
2020			$285,200 Land $100,970 Building $184,230

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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