Hamilton County property record for 3435 Locust Ln, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,875 sqft · built 1930 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $253,000 (Nov 2025) |
| Tax Bill | $3,684 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 212-0061-0037-00 |
| Primary APN | 212-0061-0037-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,875 sqft Living Area |
| 1st Floor Area | 1,073 sqft |
| 2nd Floor Area | 802 sqft |
| Upper Floors Area | 802 sqft |
| Basement Area | 1,073 sqft |
| Finished Basement | 175 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,449 sqft (0.171 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3435 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCUST LN 50 X 150 SS LOCUST LN 400 FT W OF BRIDGETOWN |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3435 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Line of Credit TELHIO CU INC |
| Nov 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Aug 23, 2017 | Grant Deed, Transfer · Conventional Mortgage TELHIO CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Aug 23, 2017 · Amount on Record |
| Deed Document Number | 0000091305 |
| Deed Book / Page | 15548 / 870 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3435 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000073040 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 15505/902 |
| Instrument | 2025-0073040 |
| Name | TELHIO CU INC |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43216 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 21, 2025 |
| Property Address | 3435 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Document Number | 0000091305 |
| Book / Page | 15548 / 870 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 2025-0091305 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $253.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3435 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Document Number | 0000091306 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-0091306 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 23, 2017 |
| Property Address | 3435 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Document Number | 0000077044 |
| Book / Page | 013487 / 000788 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 77044 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3435 LOCUST LN CINCINNATI OH 452382010, CINCINNATI, OH 45238-2010 |
| Document Number | 77045 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 013487/000789 |
| Instrument | 77045 |
| Name | TELHIO CU |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 22, 2032 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,684.00 (+3.14%) | $59,714 (-) Land $7,350 Building $52,364 | |
| 2024 | $3,572.00 (-2.22%) | $59,714 (-) Land $7,350 Building $52,364 | |
| 2023 | $3,653.00 (+12.54%) | $59,714 (+25.54%) Land $7,350 Building $52,364 | $170,610 (+25.54%) Land $21,000 Building $149,610 |
| 2022 | $3,246.00 Homeowner's exemption | $47,566 Land $5,968 Building $41,598 | |
| 2020 | $135,900 Land $17,050 Building $118,850 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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 473 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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