3497 Mirror Ln, Cincinnati, OH 45248 Property Records

Hamilton County property record for 3497 Mirror Ln, Cincinnati, OH 45248

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,492 sqft · built 1958
Lot Size	0.567 acres (24,699 sqft)
Owner	Individual Name on Record
Last Sale	$215,900 (Aug 2018)
Tax Bill	$4,644 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550-0242-0115-00`

Property Details

APN / Parcel Number

Primary APN	`550-0242-0115-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,492 sqft Living Area
1st Floor Area	1,370 sqft
2nd Floor Area	1,122 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	24,699 sqft (0.567 acres)
Lot Dimensions	221 ft deep x 31 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	126 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3497 MIRROR LN
City	CINCINNATI
State	OH
Zip	45248-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIRROR LN 31.58 X 221.31 IRR LOT 20 SPIRITO SUB BLK B
Legal Subdivision	SPIRITO SUB
Legal Block	B
Legal Lot Number	20
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	1
Census Block	1001
Census Tract	21102

Owner

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	3497 MIRROR LN, CINCINNATI, OH 45248-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 6, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance AMERIFIRST FINANCIAL CORP
Aug 15, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	0000072047
Deed Book / Page	13732 / 02003
Last Transfer Date	Jan 6, 2021
Transfer Doc	0000001637
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3497 MIRROR LN, CINCINNATI, OH 45248-3017
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 MIRROR LN, CINCINNATI, OH 45248-3017

Mortgage

Document Number	0000008573
Date	Feb 8, 2024
Book Page	15099/118
Instrument	2024-0008573

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 18, 2064

Interest

Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Jan 6, 2021
Property Address	3497 MIRROR LN, CINCINNATI, OH 45248-3017
Document Number	0000001637
Book / Page	14328 / 1449
Map Reference	MB 5 PG 63&64
Instrument Date	Dec 14, 2020
Instrument	2021-0001637
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 MIRROR LN, CINCINNATI, OH 45248-3017

Mortgage

Document Number	0000001638
Date	Jan 6, 2021
Instrument	2021-0001638

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 15, 2018
Property Address	3497 MIRROR LN, CINCINNATI, OH 45248-3017
Document Number	0000072047
Book / Page	13732 / 02003
Map Reference	MB 5 PG 63&64
Instrument Date	Aug 6, 2018
Instrument	2018-0072047
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.70
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	3497 MIRROR LN, CINCINNATI, OH 45248-3017

Mortgage

Document Number	0000072048
Date	Aug 15, 2018
Instrument	2018-0072048

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,644.00 (+9.58%) Homeowner's exemption	$99,218 (+6.08%) Land $14,000 Building $85,218
2024	$4,238.00 (-1.07%) Homeowner's exemption	$93,527 (-) Land $14,000 Building $79,527
2023	$4,284.00 (+7.05%) Homeowner's exemption	$93,527 (+23.77%) Land $14,000 Building $79,527	$283,480 (+31.3%) Land $40,000 Building $243,480
2022	$4,002.00 Homeowner's exemption	$75,565 Land $14,504 Building $61,061
2020			$215,900 Land $41,440 Building $174,460

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

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
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

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

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	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 378 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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