3530 Kroger Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 3530 Kroger Ave, Cincinnati, OH 45226

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,414 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$308,000 (Mar 2019)
Tax Bill	$8,830 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`025-0003-0035-00`

Property Details

APN / Parcel Number

Primary APN	`025-0003-0035-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,414 sqft Finished Area
1st Floor Area	1,478 sqft
2nd Floor Area	936 sqft
Basement Area	1,478 sqft

Exterior

Year Built	Built 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	123 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	247 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3530 KROGER AVE
City	CINCINNATI
State	OH
Zip	45226-1928
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	3530 KROGER AVE 72.30 X 123.93 LOTS 15-16 M J LEEDS SUB PARS 35-36 CONS
Legal Subdivision	M J LEEDS SUB
Legal Lot Number	15-16 16
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3006
Census Tract	4703

Owner

3530 Kroger Ave, a duplex, is owned and occupied by an individual who bought it in March 2019.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3530 KROGER AVE, CINCINNATI, OH 45226-1928
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
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENERAL ELECTRIC CU
Mar 19, 2019	Warranty Deed, Transfer · Line of Credit THE NORTH SIDE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2019 · Amount on File
Deed Sale	Mar 19, 2019 · Amount on File
Prior Sale	Jun 29, 2004
Deed Document Number	0000020183
Deed Book / Page	13877 / 00560
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3530 KROGER AVE, CINCINNATI, OH 45226-1928
Document Number	0000027160
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 KROGER AVE CINCINNATI OH 452261928, CINCINNATI, OH 45226-1928

Mortgage

Document Number	0000027160
Date	Mar 19, 2020
Book Page	014128/002071
Instrument	27160

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 19, 2019
Property Address	3530 KROGER AVE, CINCINNATI, OH 45226-1928
Document Number	0000020183
Book / Page	13877 / 00560
Map Reference	MB 6 PG 129
Instrument Date	Mar 15, 2019
Instrument	2019-0020183
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,232.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 KROGER AVE, CINCINNATI, OH 45226-1928

Mortgage

Document Number	0000020185
Date	Mar 19, 2019
Instrument	2019-0020185

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 15, 2034

Mortgage

Document Number	0000020184
Date	Mar 19, 2019
Book Page	13877/00562
Instrument	2019-0020184

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2034
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 3530 Kroger Ave was $8,830, up 2.1% from the year before.

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

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	$8,830.00 (+2.12%)	$141,995 (+%) Land $55,170 Building $86,825
2024	$8,647.00 (-1.53%)	$141,994 (-) Land $55,170 Building $86,824
2023	$8,781.00 (+18.42%)	$141,994 (+31.72%) Land $55,170 Building $86,824	$405,700 Land $157,630 Building $248,070
2022	$7,415.00 Homeowner's exemption	$107,800 Land $52,339 Building $55,461
2020			$308,000 Land $149,540 Building $158,460

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 3530 Kroger Ave 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	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

Wildfire risk around 3530 Kroger Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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.

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 464 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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