3495 Mount Carmel Rd, Cincinnati, OH 45244 Property Records

Hamilton County property record for 3495 Mount Carmel Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 1965
Lot Size	0.617 acres (26,877 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Aug 2022)
Tax Bill	$4,510 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`500-0072-0030-00`

Property Details

APN / Parcel Number

Primary APN	`500-0072-0030-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	1,530 sqft
Basement Area	1,530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	26,877 sqft (0.617 acres)
Lot Dimensions	269 ft deep x 100 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	108 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3495 MOUNT CARMEL RD
City	CINCINNATI
State	OH
Zip	45244-4319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT CARMEL RD 100 X 269.02IRR LOT 2 F W BEINKE 1ST SUB BLK A
Legal Subdivision	F W BEINKE 1ST SUB
Legal Block	A
Legal Lot Number	2
Jurisdiction	HAMILTON OH
Township / Civil Division	ANDERSON
Census Block Group	1
Census Block	1034
Census Tract	24901

Owner

3495 Mount Carmel Rd is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3495 MOUNT CARMEL RD, CINCINNATI, OH 45244-4319
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Jun 12, 2015
Deed Document Number	0000075679
Deed Book / Page	14722 / 1383
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 3, 2022
Property Address	3495 MOUNT CARMEL RD, CINCINNATI, OH 45244-4319
Document Number	0000075679
Book / Page	14722 / 1383
Map Reference	MB 75 PG 82
Instrument Date	Jul 25, 2022
Instrument	2022-0075679
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	OLD TOWN TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$747.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 MOUNT CARMEL RD, CINCINNATI, OH 45244-4319

Mortgage

Document Number	0000075680
Date	Aug 3, 2022
Instrument	2022-0075680

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 3495 Mount Carmel Rd was $4,510, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Anderson Township
Unified School District	Forest Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,510.00 (+2.9%)	$72,153 (-) Land $15,026 Building $57,127
2024	$4,383.00 (+5.13%)	$72,153 (-) Land $15,026 Building $57,127
2023	$4,169.00 (+23.09%)	$72,153 (+42.52%) Land $15,026 Building $57,127	$206,150 Land $42,930 Building $163,220
2022	$3,387.00	$50,628 Land $11,694 Building $38,934
2020			$144,650 Land $33,410 Building $111,240

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 3495 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	Severe Storms, Landslides, And Mudslides, Feb 2018 · 12 claims Severe Storms And Flooding, Mar 1997 · 39 claims

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

Wildfire risk around 3495 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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