3418 Oak Ln, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3418 Oak Ln, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,415 sqft · built 1941
Lot Size	0.087 acres (3,833 sqft)
Owner	Owner Name on Record
Tax Bill	$6,186 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-0002-0473-00`

Property Details

APN / Parcel Number

Primary APN	`039-0002-0473-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
1st Floor Area	1,458 sqft
2nd Floor Area	957 sqft
Upper Floors Area	957 sqft
Basement Area	957 sqft
Finished Basement	375 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	3,833 sqft (0.087 acres)
Lot Dimensions	91 ft deep x 42 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3418 OAK LN
City	CINCINNATI
State	OH
Zip	45209-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK LN 42 X 91 PT LOT 28 A FERRIS SUB
Legal Subdivision	A 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 February 9, 2026

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

Owner of Record	Owner Name on Record
Mailing Address	3418 OAK LN, CINCINNATI, OH 45209-1825
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 22, 2007
Transfer Doc	0000151163
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3418 OAK LN, CINCINNATI, OH 45209-1825
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOJOURNERS TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103174
Date	Nov 13, 2017
Instrument	17-0103174

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3418 OAK LN, CINCINNATI, OH 45209-1825
Document Number	0000076526
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3418 OAK LN CINCINNATI OH 452091825, CINCINNATI, OH 45209-1825

Mortgage

Document Number	0000076526
Date	Aug 4, 2020
Book Page	014224/000533
Instrument	76526

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

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	$6,186.00 (+3.07%) Homeowner's exemption	$110,677 (-) Land $37,079 Building $73,598
2024	$6,002.00 (-3.02%) Homeowner's exemption	$110,677 (-) Land $37,079 Building $73,598
2023	$6,189.00 (-13.83%) Homeowner's exemption	$110,677 (-3.27%) Land $37,079 Building $73,598	$316,220 (-3.27%) Land $105,940 Building $210,280
2022	$7,182.00 Homeowner's exemption	$114,419 Land $34,097 Building $80,322
2020			$326,910 Land $97,420 Building $229,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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