3445 Oak Ln, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3445 Oak Ln, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,512 sqft · built 1941
Lot Size	0.087 acres (3,790 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Sep 2022)
Tax Bill	$6,679 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-0002-0399-00`

Property Details

APN / Parcel Number

Primary APN	`039-0002-0399-00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	672 sqft
Upper Floors Area	672 sqft
Attic Area	403 sqft
Basement Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	3,790 sqft (0.087 acres)
Lot Dimensions	91 ft deep x 42 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3445 OAK LN
City	CINCINNATI
State	OH
Zip	45209-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3445 OAK LN 42 X 91.75 PT LOT 28 A FERRIS EST
Legal Subdivision	A FERRIS ESTATE
Legal Lot Number	28
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3000
Census Tract	5302

Owner

3445 Oak Ln is owned and occupied by an individual who bought it in September 2022.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3445 OAK LN, CINCINNATI, OH 45209-1824
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
May 30, 2017	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	May 30, 2017 · Amount on File
Deed Document Number	0000086770
Deed Book / Page	14749 / 1750
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 12, 2022
Property Address	3445 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000086770
Book / Page	14749 / 1750
Instrument Date	Aug 31, 2022
Instrument	2022-0086770
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000086771
Date	Sep 12, 2022
Instrument	2022-0086771

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 30, 2017
Property Address	3445 OAK LN, CINCINNATI, OH 45209-1824
Document Number	0000007840
Instrument Date	May 18, 2017
Instrument	17-0047840
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$769.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3445 OAK LN, CINCINNATI, OH 45209-1824

Mortgage

Document Number	0000007841
Date	May 30, 2017
Instrument	17-0047841

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3445 Oak Ln was $6,679, up 3.1% from the year before.

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	$6,679.00 (+3.13%)	$108,500 (-) Land $37,079 Building $71,421
2024	$6,476.00 (-2.22%)	$108,500 (-) Land $37,079 Building $71,421
2023	$6,623.00 (-5.72%)	$108,500 (+5.09%) Land $37,079 Building $71,421	$310,000 Land $105,940 Building $204,060
2022	$7,025.00 Homeowner's exemption	$103,243 Land $34,097 Building $69,146
2020			$294,980 Land $97,420 Building $197,560

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

FEMA maps place 3445 Oak Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3445 Oak Ln is low, with less than a 0.01% annual chance of 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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