Hamilton County property record for 3445 Locust Ln, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,612 sqft · built 1937 |
| Lot Size | 0.414 acres (18,077 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Apr 2023) |
| Tax Bill | $4,602 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 212-0061-0158-00 |
| Primary APN | 212-0061-0158-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,612 sqft Living Area |
| 1st Floor Area | 1,700 sqft |
| 2nd Floor Area | 912 sqft |
| Upper Floors Area | 912 sqft |
| Basement Area | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 18,077 sqft (0.414 acres) |
| Lot Dimensions | 150 ft deep x 81 ft wide |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3445 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCUST LN 80.74 X 150 IRRSS LOCUST LN 550 FT W OF BRIDGETOWN RD |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10201 |
Source: Hamilton County records · APN 212-0061-0158-00
Assessment roll updated March 1, 2025 · Last verified February 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · FHA Mortgage REPUBLIC BANK & TRUST CO |
| Feb 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THIRD FSLA OF CLEVELAND |
| Apr 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage EAGLE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2023 · Amount on Record |
| Deed Sale | Apr 25, 2023 · Amount on Record |
| Prior Sale | Jan 09, 1996 |
| Deed Document Number | 0000027740 |
| Deed Book / Page | 14902 / 779 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Investor | Possibly a Property Investor |
| Document Number | 0000081583 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 15526/327 |
| Instrument | 2025-0081583 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000013196 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | 14860/1061 |
| Instrument | 2023-0013196 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Mar 01, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 25, 2023 |
| Property Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Document Number | 0000027740 |
| Book / Page | 14902 / 779 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023-0027740 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3445 LOCUST LN, CINCINNATI, OH 45238-2010 |
| Investor | Possibly a Property Investor |
| Document Number | 0000027741 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 2023-0027741 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,602.00 (+3.07%) | $74,442 (-) Land $11,095 Building $63,347 | |
| 2024 | $4,465.00 (-2.17%) | $74,442 (-) Land $11,095 Building $63,347 | |
| 2023 | $4,564.00 (+47.08%) | $74,442 (+72.78%) Land $11,095 Building $63,347 | $212,690 (+72.78%) Land $31,700 Building $180,990 |
| 2022 | $3,103.00 Homeowner's exemption | $43,086 Land $13,283 Building $29,803 | |
| 2020 | $123,100 Land $37,950 Building $85,150 |
Source: FEMA National Flood Hazard Layer as of December 22, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 473 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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