3411 Oak Ln, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3411 Oak Ln, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,061 sqft · built 1940
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2026)
Tax Bill	$6,034 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0002-0400-00`

Property Details

APN / Parcel Number

Primary APN	`039-0002-0400-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,061 sqft Living Area
Gross Area	2,239 sqft
1st Floor Area	1,061 sqft
Basement Area	1,178 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	91.8 ft deep x 42 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3411 OAK LN
City	CINCINNATI
State	OH
Zip	45209-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	3411 OAK LN 42 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 records, as of June 22, 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	3411 OAK LN, CINCINNATI, OH 45209-1824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Dec 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CINFED CU
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 10, 2019	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Dec 27, 2023 · Amount on Record
Deed Document Number	202637551
Deed Book / Page	15666 / 2841
Prior Transfer Date	Oct 16, 2000
Prior Transfer Doc	0084110115
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 14, 2026
Property Address	3411 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000037551
Book / Page	15666 / 2841
Instrument Date	May 8, 2026
Instrument	202637551
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	WESBANCO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$77,770.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3411 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000037552,
Date	May 14, 2026
Instrument	202637552

Lender

Name	WESBANCO BANK INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 27, 2023
Property Address	3411 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000090683
Book / Page	15070 / 1557
Instrument Date	Dec 22, 2023
Instrument	2023-0090683
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROTITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3411 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000090684
Date	Dec 27, 2023
Instrument	2023-0090684

Lender

Name	CINFED CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.7%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 22, 2021
Property Address	3411 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000153063
Book / Page	14569 / 2072
Instrument Date	Dec 17, 2021
Instrument	2021-0153063
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3411 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000153064
Date	Dec 22, 2021
Instrument	2021-0153064

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 10, 2019
Property Address	3411 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000044770
Book / Page	013935 / 000241
Instrument Date	May 30, 2019
Instrument	44770
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$998.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3411 OAK LN CINCINNATI OH 452091824, CINCINNATI, OH 45209-1824

Mortgage

Document Number	44772
Date	Jun 10, 2019
Book Page	013935/000245
Instrument	44772

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

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
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	$6,034.00 (+3.15%)	$98,000 (-) Land $37,079 Building $60,921	$280,000 (-) Land $105,940 Building $174,060
2024	$5,850.00 (-2.22%)	$98,000 (-) Land $37,079 Building $60,921
2023	$5,983.00 (+0.67%)	$98,000 (+12.22%) Land $37,079 Building $60,921	$280,000 (+12.22%) Land $105,940 Building $174,060
2022	$5,943.00 Homeowner's exemption	$87,325 Land $34,097 Building $53,228
2020			$249,500 Land $97,420 Building $152,080

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

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 570 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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