3522 Harrow Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3522 Harrow Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,119 sqft · built 1938
Lot Size	0.106 acres (4,617 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (May 2026)
Tax Bill	$6,168 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-0002-0164-00`

Property Details

APN / Parcel Number

Primary APN	`051-0002-0164-00`
Alternative APN	`65634491`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
Gross Area	2,350 sqft
1st Floor Area	1,119 sqft
Basement Area	1,231 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,617 sqft (0.106 acres)
Lot Dimensions	113 ft deep x 44 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3522 HARROW AVE
City	CINCINNATI
State	OH
Zip	45209-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	3522 HARROW AVE 44 X 113.68 IRR PT LOT 9 GILMORE-BROTHERTON
Legal Subdivision	GILMORE & BROTHERTON
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1020
Census Tract	27600

Owner

Source: Hamilton County records, as of June 23, 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	3522 HARROW AVE, CINCINNATI, OH 45209-1118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2026	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	202640259
Deed Book / Page	15671 / 2204
Prior Transfer Date	May 7, 2001
Prior Transfer Doc	0000080169
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	May 21, 2026
Property Address	3522 HARROW AVE, CINCINNATI, OH 45209-1118
Document Number	0000040259
Book / Page	15671 / 2204
Instrument Date	May 20, 2026
Instrument	202640259
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	WAVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,720.00
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	3522 HARROW AVE, CINCINNATI, OH 45209-1118

Mortgage

Document Number	0000040260,
Date	May 21, 2026
Instrument	202640260

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 18, 2026
Property Address	3522 HARROW AVE, CINCINNATI, OH 45209-1118
Document Number	0000038697
Book / Page	15668 / 3012
Instrument Date	May 8, 2026
Instrument	202638697
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 HARROW AVE, CINCINNATI, OH 45209-1118

Mortgage

Document Number	0000038697,
Date	May 18, 2026
Book Page	15668/3012
Instrument	202638697

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Oct 1, 2026

Interest

Rate	6.37%
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 3, 2021
Property Address	3522 HARROW AVE, CINCINNATI, OH 45209-1118
Document Number	0000068050
Book / Page	14431 / 1301
Map Reference	MB 2 PG 20
Instrument Date	May 26, 2021
Instrument	2021-0068050
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 HARROW AVE, CINCINNATI, OH 45209-1118

Mortgage

Document Number	0000068051
Date	Jun 3, 2021
Instrument	2021-0068051

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

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	$6,168.00 (+3.13%)	$100,174 (-) Land $35,882 Building $64,292	$286,210 (-) Land $102,520 Building $183,690
2024	$5,981.00 (-2.21%)	$100,174 (-) Land $35,882 Building $64,292
2023	$6,116.00 (-8.95%)	$100,174 (+1.49%) Land $35,882 Building $64,292	$286,210 (+1.49%) Land $102,520 Building $183,690
2022	$6,717.00 Homeowner's exemption	$98,701 Land $21,522 Building $77,179
2020			$282,000 Land $61,490 Building $220,510

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	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 182 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: T-Mobile.

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