Hamilton County property record for 3470 Mount Carmel Rd, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,514 sqft · built 1965 |
| Lot Size | 1.82 acres (79,397 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Aug 2026) |
| Tax Bill | $7,013 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 500-0072-0046-00 |
| Primary APN | 500-0072-0046-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,514 sqft Living Area |
| Gross Area | 3,556 sqft |
| 1st Floor Area | 1,514 sqft |
| Basement Area | 1,514 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 79,397 sqft (1.82 acres) |
| Lot Dimensions | 622 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Septic |
| Street Address | 3470 MOUNT CARMEL RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-4320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MT CARMEL RD1.8227 ACS MS 706 |
| Legal Subdivision | J MCDOWELLS & J PAYTONS 706 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ANDERSON |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 24901 |
3470 Mount Carmel Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Hamilton County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3470 MOUNT CARMEL RD, CINCINNATI, OH 45244-4320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2026 | Affidavit, Transfer |
| Aug 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2026 · Amount on File |
| Deed Sale | Aug 27, 2026 · Amount on File |
| Prior Sale | Feb 28, 2006 · Amount on File |
| Deed Document Number | 202670333 |
| Deed Book / Page | 15738 / 422 |
| Prior Transfer Date | Aug 20, 2026 |
| Prior Transfer Doc | 0000070332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 27, 2026 |
| Property Address | 3470 MOUNT CARMEL RD, CINCINNATI, OH 45244-4320 |
| Document Number | 0000070332 |
| Book / Page | 15738 / 418 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 202670332 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 27, 2026 |
| Property Address | 3470 MOUNT CARMEL RD, CINCINNATI, OH 45244-4320 |
| Document Number | 0000070333 |
| Book / Page | 15738 / 422 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202670333 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | PROMINENT TITLE LLC, PROMINENT TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87,870.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3470 MOUNT CARMEL RD, CINCINNATI, OH 45244-4320 |
| Document Number | 0000070334, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 202670334 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 3470 Mount Carmel Rd was $7,013, up 2.4% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Anderson Township |
| Unified School District | Forest Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,013.00 (+2.38%) | $111,588 (+%) Land $30,629 Building $80,959 | $318,820 Land $87,510 Building $231,310 |
| 2024 | $6,850.00 (+5.47%) | $111,586 (-) Land $30,628 Building $80,958 | |
| 2023 | $6,495.00 (+20.5%) | $111,586 (+35.44%) Land $30,628 Building $80,958 | $318,820 Land $87,510 Building $231,310 |
| 2022 | $5,390.00 Homeowner's exemption | $82,390 Land $24,003 Building $58,387 | |
| 2020 | $235,400 Land $68,580 Building $166,820 |
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.
FEMA maps place 3470 Mount Carmel Rd in Zone X, an area of minimal flood risk, though there have been 108 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 108 (1978–2025) |
| Claims Outside the SFHA | 6 of 108 |
| Most Recent Claim | Apr 2025 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3470 Mount Carmel Rd is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 123 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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