Hamilton County property record for 3509 Locust Ln, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,304 sqft · built 1957 |
| Lot Size | 0.18 acres (7,884 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $126,000 (Oct 2018) |
| Tax Bill | $3,107 (2025) |
| Deeds & Mortgages | Jan 2025 Transfer Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 550-0131-0197-00 |
| Primary APN | 550-0131-0197-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 1,304 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 7,884 sqft (0.18 acres) |
| Lot Dimensions | 162 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 154 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3509 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCUST LANE 70 X 162.17 IRR R2-T2-S14 SE |
| Legal Range | 02 |
| Legal Township | 02 |
| Legal Section | 14 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | GREEN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10201 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3509 LOCUST LN, CINCINNATI, OH 45238-2012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2025 | Transfer on Death Deed, Transfer |
| Apr 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CONNEXUS CU |
| Oct 19, 2018 | Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on Record |
| Deed Sale | Oct 19, 2018 · Amount on Record |
| Prior Sale | Sep 26, 2014 · Amount on Record |
| Deed Document Number | 2018-0092988 |
| Deed Book / Page | 13778 / 00122 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 2, 2025 |
| Property Address | 3509 LOCUST LN, CINCINNATI, OH 45238-2012 |
| Document Number | 0000000171 |
| Book / Page | 15324 / 1011 |
| Instrument Date | Dec 12, 2024 |
| Instrument | 2025-0000171 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3509 LOCUST LN, CINCINNATI, OH 45238-2012 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3509 LOCUST LN, CINCINNATI, OH 45238-2012 |
| Document Number | 0000026761 |
| Instrument Date | Apr 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3509 LOCUST LN CINCINNATI OH 452382012, CINCINNATI, OH 45238-2012 |
| Document Number | 0000026761 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 013893/000635 |
| Instrument | 26761 |
| Name | CONNEXUS CU |
|---|---|
| Type | Credit Union |
| Address | WAUSAU, WI 54401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 9, 2029 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 19, 2018 |
| Property Address | 3509 LOCUST LN, CINCINNATI, OH 45238-2012 |
| Document Number | 0000092988 |
| Book / Page | 13778 / 00122 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 2018-0092988 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | OLD TOWN TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $378.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8534 E KEMPER RD, CINCINNATI, OH 45249-3701 |
| Document Number | 0000092990 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 2018-0092990 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Green Township |
| Unified School District | Oak Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,107.00 (+2.54%) | $59,577 (-) Land $11,970 Building $47,607 | |
| 2024 | $3,030.00 (-0.1%) | $59,577 (-) Land $11,970 Building $47,607 | |
| 2023 | $3,033.00 (+16.07%) | $59,577 (+36.97%) Land $11,970 Building $47,607 | $170,220 (+36.98%) Land $34,200 Building $136,020 |
| 2022 | $2,613.00 Homeowner's exemption | $43,495 Land $10,696 Building $32,799 | |
| 2020 | $124,270 Land $30,560 Building $93,710 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 473 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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