Hamilton County property record for 3522 Locust Ln, Cincinnati, OH 45238
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,679 sqft · built 1951 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,653 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 550-0131-0097-00 |
| Primary APN | 550-0131-0097-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,679 sqft Living Area |
| Gross Area | 2,143 sqft |
| 1st Floor Area | 864 sqft |
| Attic | Attic |
| Attic Area | 415 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 464 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 113 ft deep x 60 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 60 sqft |
| Patio Area | 468 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3522 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45238-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | LOCUST LN 60 X 113.10 IRR LOT 27 BRUNE-HARPENAU 1ST BL A |
| Legal Subdivision | HARPENAU 1ST |
| Legal Block | A |
| Legal Lot Number | 27 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | GREEN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 10201 |
Source: Hamilton County records, as of February 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jan 6, 2026 | Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jun 9, 2017 | Warranty Deed, Transfer · FHA Mortgage |
| Jan 25, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2026 |
| Deed Sale | Jan 6, 2026 |
| Prior Sale | Jun 9, 2017 · Amount on Record |
| Deed Document Number | 2026980 |
| Deed Book / Page | 15576 / 791 |
| Prior Transfer Date | Dec 20, 2025 |
| Prior Transfer Doc | 0000000980 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 6, 2026 |
| Property Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Document Number | 0000000980 |
| Book / Page | 15576 / 791 |
| Instrument Date | Dec 20, 2025 |
| Instrument | 2026-0000980 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Document Number | 0000000981 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 2026-0000981 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 270 Months |
| Due | Jul 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 9, 2017 |
| Property Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Document Number | 0000051697 |
| Map Reference | MB 57 PG 43 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 17-0051697 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Document Number | , 17-0051698 |
|---|---|
| Date | Jun 9, 2017 |
| Instrument | 17-0051698 |
| Type | Funding / Finance Company |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 25, 2017 |
| Property Address | 3522 LOCUST LN, CINCINNATI, OH 45238-2013 |
| Document Number | 0000007866 |
| Book / Page | 013340 / 001732 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 7866 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3522 LOCUST LN CINCINNATI OH 452382013, CINCINNATI, OH 45238-2013 |
Source: Hamilton County assessment roll, as of January 21, 2026
| 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 | $2,653.00 (+2.55%) | $50,974 (-) Land $10,696 Building $40,278 | $145,640 (-) Land $30,560 Building $115,080 |
| 2024 | $2,587.00 (-0.12%) | $50,974 (-) Land $10,696 Building $40,278 | |
| 2023 | $2,590.00 (-11.66%) | $50,974 (+4.12%) Land $10,696 Building $40,278 | $145,640 (+4.12%) Land $30,560 Building $115,080 |
| 2022 | $2,932.00 Homeowner's exemption | $48,958 Land $9,548 Building $39,410 | |
| 2020 | $139,880 Land $27,280 Building $112,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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