3523 Florence Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3523 Florence Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,556 sqft · built 1927
Lot Size	0.157 acres (6,882 sqft)
Owner	Individual Name on Record
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`551-0009-0270-00`

Property Details

APN / Parcel Number

Primary APN	`551-0009-0270-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,556 sqft Living Area
1st Floor Area	854 sqft
2nd Floor Area	26 sqft
Upper Floors Area	702 sqft
Basement Area	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	6,882 sqft (0.157 acres)
Lot Dimensions	166 ft deep x 44 ft wide
Garage Type	Basement
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	234 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3523 FLORENCE AVE
City	CINCINNATI
State	OH
Zip	45211-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLORENCE AV 44 X 166.36 IRR PTS LOTS 26-27 CRAIGS1ST ADDN
Legal Subdivision	CRAIGS
Legal Lot Number	26-27 27
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	4
Census Block	4010
Census Tract	20902

Owner

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
Mailing Address	3523 FLORENCE AVE, CINCINNATI, OH 45211-5409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 18, 2020	Deed of Trust, Mortgage · Line of Credit CINFED CU

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Jan 10, 2006
Last Transfer Date	Oct 2, 2025
Transfer Doc	0000076424
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 2, 2025
Property Address	3523 FLORENCE AVE, CINCINNATI, OH 45211-5409
Document Number	0000076424
Book / Page	15513 / 939
Instrument Date	Oct 2, 2025
Instrument	2025-0076424
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 FLORENCE AVE, CINCINNATI, OH 45211-5409

Mortgage

Document Number	0000076425
Date	Oct 2, 2025
Instrument	2025-0076425

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3523 FLORENCE AVE, CINCINNATI, OH 45211-5409
Document Number	0000101038
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 FLORENCE AVE CINCINNATI OH 452115409, CINCINNATI, OH 45211-5409

Mortgage

Document Number	0000101038
Date	Oct 1, 2020
Book Page	014265/000855
Instrument	101038

Lender

Name	CINFED CU
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cheviot City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,176.00 (+2.92%)	$50,999 (-) Land $7,924 Building $43,075
2024	$3,086.00 (-2.03%)	$50,999 (-) Land $7,924 Building $43,075
2023	$3,150.00 (+30.98%)	$50,999 (+51.32%) Land $7,924 Building $43,075	$145,710 (+51.32%) Land $22,640 Building $123,070
2022	$2,405.00 Homeowner's exemption	$33,702 Land $7,490 Building $26,212
2020			$96,290 Land $21,400 Building $74,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 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

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 782 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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