Hamilton County property record for 3538 Mount Carmel Rd, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,764 sqft · built 1966 |
| Lot Size | 0.483 acres (21,083 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $284,500 (Oct 2022) |
| Tax Bill | $6,229 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 500-0072-0015-00 |
| Primary APN | 500-0072-0015-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Living Area |
| 1st Floor Area | 864 sqft |
| 2nd Floor Area | 900 sqft |
| Basement Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 21,083 sqft (0.483 acres) |
| Lot Dimensions | 300 ft deep x 101 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3538 MOUNT CARMEL RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MT CARMEL RD 101.37 X 300IRR LOT 3 MARGARET L PERINS SUB |
| Legal Subdivision | MARGARET L PERINS SUB |
| Legal Lot Number | 3 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ANDERSON |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 24901 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2022 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage NORTHPOINTE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2022 · Amount on Record |
| Deed Sale | Oct 7, 2022 · Amount on Record |
| Prior Sale | Oct 26, 2016 |
| Deed Document Number | 0000095218 |
| Deed Book / Page | 14768 / 2037 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 7, 2022 |
| Property Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Document Number | 0000095218 |
| Book / Page | 14768 / 2037 |
| Map Reference | MB 81 PG 43 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022-0095218 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $853.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Document Number | 0000095219 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 2022-0095219 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000095184 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | 14474/1267 |
| Instrument | 2021-0095184 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Document Number | 0000008542 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3538 MOUNT CARMEL RD CINCINNATI OH 452441640, CINCINNATI, OH 45244-1640 |
| Document Number | 0000008542 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 014337/003021 |
| Instrument | 8542 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 19, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3538 MOUNT CARMEL RD, CINCINNATI, OH 45244-1640 |
| Document Number | 0000074157 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3538 MOUNT CARMEL RD CINCINNATI OH 452441640, CINCINNATI, OH 45244-1640 |
| Document Number | 0000074157 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 013993/001774 |
| Instrument | 74157 |
| Name | NORTHPOINTE BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 2, 2049 |
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Anderson Township |
| Unified School District | Forest Hills Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,229.00 (+2.91%) | $99,575 (-) Land $14,140 Building $85,435 | |
| 2024 | $6,053.00 (+5.12%) | $99,575 (-) Land $14,140 Building $85,435 | |
| 2023 | $5,758.00 (+49.33%) | $99,575 (+67.85%) Land $14,140 Building $85,435 | $284,500 (+67.85%) Land $40,400 Building $244,100 |
| 2022 | $3,856.00 Homeowner's exemption | $59,325 Land $11,074 Building $48,251 | |
| 2020 | $169,500 Land $31,640 Building $137,860 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 108 (1978–2025) |
| Claims Outside the SFHA | 6 of 108 |
| Most Recent Claim | Apr 2025 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 123 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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