3520 Lapland Dr, Cincinnati, OH 45239 Property Records

Hamilton County property record for 3520 Lapland Dr, Cincinnati, OH 45239

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,700 sqft · built 1960
Lot Size	0.142 acres (6,186 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Nov 2021)
Tax Bill	$2,427 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`510-0081-0363-00`

Property Details

APN / Parcel Number

Primary APN	`510-0081-0363-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Finished Basement	440 sqft
Unfinished Basement	820 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	122 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	96 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3520 LAPLAND DR
City	CINCINNATI
State	OH
Zip	45239-5443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAPLAND DR 50 X 122 LOT 68 BLUE ROCK HILLS BLK E
Legal Subdivision	BLUE ROCK HILLS
Legal Block	E
Legal Lot Number	68
Jurisdiction	HAMILTON OH
Township / Civil Division	COLERAIN
Census Block Group	3
Census Block	3003
Census Tract	20764

Owner

3520 Lapland Dr is owned and occupied by an individual who acquired it in November 2022.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3520 LAPLAND DR, CINCINNATI, OH 45239-5443
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

Date	Document
Nov 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNION SAVINGS BANK
Nov 8, 2021	Warranty Deed, Transfer · Line of Credit SPRING VALLEY BANK
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Deed Document Number	2021135413
Deed Book / Page	14540 / 2728
Last Transfer Date	Nov 11, 2022
Transfer Doc	0000106876
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Nov 18, 2022
Property Address	3520 LAPLAND DR, CINCINNATI, OH 45239-5443
Document Number	0000106876
Book / Page	14797 / 469
Map Reference	MB 7 PG 76
Instrument Date	Nov 11, 2022
Instrument	2022-0106876
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

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	3520 LAPLAND DR, CINCINNATI, OH 45239-5443

Mortgage

Document Number	0000106877
Date	Nov 18, 2022
Instrument	2022-0106877

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	10.5%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 8, 2021
Property Address	3520 LAPLAND DR, CINCINNATI, OH 45239-5443
Document Number	0000135413
Book / Page	14540 / 2728
Map Reference	MB 7 PG 76
Instrument Date	Oct 12, 2021
Instrument	2021-0135413
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	3520 LAPLAND DR, CINCINNATI, OH 45239-5443

Mortgage

Document Number	0000135414
Date	Nov 8, 2021
Book Page	14540/2730
Instrument	2021-0135414

Lender

Name	SPRING VALLEY BANK
Type	Bank
Address	CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 1, 2022

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3520 LAPLAND DR, CINCINNATI, OH 45239-5443
Document Number	0000025552
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	May 2, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 LAPLAND DR CINCINNATI OH 452395443, CINCINNATI, OH 45239-5443

Mortgage

Document Number	0000025552
Date	Mar 29, 2018
Book Page	013635/000206
Instrument	25552

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3520 Lapland Dr was $2,427, up 7.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Colerain Township
Unified School District	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,427.00 (+7.82%)	$42,001 (+%) Land $9,986 Building $32,015	$120,000 Land $28,530 Building $91,470
2024	$2,251.00 (-0.57%)	$41,999 (-) Land $9,985 Building $32,014
2023	$2,264.00 (-26.78%)	$41,999 (-10.4%) Land $9,985 Building $32,014	$120,000 Land $28,530 Building $91,470
2022	$3,092.00 Homeowner's exemption	$46,872 Land $8,820 Building $38,052
2020			$133,920 Land $25,200 Building $108,720

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 3520 Lapland Dr in Zone X, an area of minimal flood risk.

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 Policies	3 in force

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

The area around 3520 Lapland Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 346 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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