3509 Biddle St, Cincinnati, OH 45220 Property Records

Hamilton County property record for 3509 Biddle St, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,605 sqft · built 1911
Lot Size	0.555 acres (24,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$930,000 (May 2026)
Tax Bill	$14,154 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-0051-0044-00`

Property Details

APN / Parcel Number

Primary APN	`217-0051-0044-00`
Alternative APN	`122337293`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,605 sqft Living Area
Gross Area	7,441 sqft
1st Floor Area	2,428 sqft
2nd Floor Area	1,976 sqft
Attic	Attic
Attic Area	677 sqft
Basement Area	2,360 sqft
Finished Basement	524 sqft
Unfinished Basement	1,836 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Conventional
Exterior Material	Stucco
Lot Area	24,176 sqft (0.555 acres)
Lot Dimensions	202 ft deep x 106 ft wide
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3509 BIDDLE ST
City	CINCINNATI
State	OH
Zip	45220-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF20
Legal Description	BIDDLE ST 87.04 X 202.93 IRR PT LOT 12 A MARSHALLS SUB
Legal Subdivision	MARSHALLS SUB
Legal Lot Number	12
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2002
Census Tract	7000

Owner

Source: Hamilton County records, as of June 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3509 BIDDLE ST, CINCINNATI, OH 45220-1813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
May 18, 2026	Deed, Transfer · Conventional Mortgage RIVERHILLS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Sep 15, 1998 · Amount on Record
Deed Document Number	202638593
Deed Book / Page	15668 / 2438
Prior Transfer Date	Jul 12, 2005
Prior Transfer Doc	0000129169
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3509 BIDDLE ST, CINCINNATI, OH 45220-1813
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 BIDDLE ST, CINCINNATI, OH 45220-1813

Mortgage

Document Number	0000004002
Date	Jan 21, 2025
Book Page	15336/450
Instrument	2025-0004002

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	May 18, 2026
Property Address	3509 BIDDLE ST, CINCINNATI, OH 45220-1813
Document Number	0000038593
Book / Page	15668 / 2438
Instrument Date	May 15, 2026
Instrument	202638593
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187,860.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3509 BIDDLE ST, CINCINNATI, OH 45220-1813

Mortgage

Document Number	0000038594,
Date	May 18, 2026
Instrument	202638594

Lender

Name	RIVERHILLS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

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	$14,154.00 (+3.13%)	$229,930 (+%) Land $67,134 Building $162,796	$656,940 (-) Land $191,810 Building $465,130
2024	$13,724.00 (-2.21%)	$229,928 (-) Land $67,133 Building $162,795
2023	$14,034.00 (+15.94%)	$229,928 (+29.28%) Land $67,133 Building $162,795	$656,940 (+29.28%) Land $191,810 Building $465,130
2022	$12,105.00 Homeowner's exemption	$177,853 Land $37,594 Building $140,259
2020			$508,150 Land $107,410 Building $400,740

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 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 447 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	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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