3546 Ridgewood Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3546 Ridgewood Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,670 sqft · built 2002
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$222,900 (Apr 2020)
Tax Bill	$4,483 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`550-0061-0376-00`

Property Details

APN / Parcel Number

Primary APN	`550-0061-0376-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,670 sqft Living Area
1st Floor Area	882 sqft
2nd Floor Area	788 sqft
Basement Area	882 sqft

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	7,492 sqft (0.171 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3546 RIDGEWOOD AVE
City	CINCINNATI
State	OH
Zip	45211-2639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NS RIDGEWOOD AV 0.1727 AC LOT 48 RIDGEWOOD PLACE SUB BLK A
Legal Subdivision	RIDGEWOOD PLACE SUB
Legal Block	A
Legal Lot Number	48
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	3
Census Block	3005
Census Tract	20802

Owner

3546 Ridgewood Ave is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
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
Oct 17, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 9, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Apr 23, 2020	Warranty Deed, Transfer · FHA Mortgage UNION SVGS
Apr 17, 2020	Deed of Trust, Mortgage · FHA Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Prior Sale	Apr 27, 2004 · Amount on File
Deed Document Number	0000037472
Deed Book / Page	014153 / 000591
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639

Mortgage

Document Number	0000073933
Date	Oct 17, 2023
Book Page	15023/955
Instrument	2023-0073933

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031343
Date	Mar 11, 2021
Book Page	14372/3513
Instrument	2021-0031343

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639

Mortgage

Document Number	0000147918
Date	Dec 9, 2021
Book Page	14560/1013
Instrument	2021-0147918

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	352 Months
Due	Apr 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 23, 2020
Property Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
Document Number	0000037472
Book / Page	014153 / 000591
Instrument Date	Apr 17, 2020
Instrument	37472
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8534 E KEMPER RD CINCINNATI OH 452493701, CINCINNATI, OH 45249-3701

Mortgage

Document Number	37473
Date	Apr 23, 2020
Book Page	014153/000594
Instrument	37473

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3546 RIDGEWOOD AVE, CINCINNATI, OH 45211-2639
Document Number	0000047144
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3546 RIDGEWOOD AVE CINCINNATI OH 452112639, CINCINNATI, OH 45211-2639

Mortgage

Document Number	0000047144
Date	May 20, 2020
Book Page	014172/000024
Instrument	47144

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3546 Ridgewood Ave was $4,483, up 2.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,483.00 (+2.8%)	$74,029 (-) Land $11,550 Building $62,479
2024	$4,361.00 (-1.96%)	$74,029 (-) Land $11,550 Building $62,479
2023	$4,448.00 (-20.56%)	$74,029 (-5.11%) Land $11,550 Building $62,479	$211,510 Land $33,000 Building $178,510
2022	$5,599.00 Homeowner's exemption	$78,016 Land $10,203 Building $67,813
2020			$222,900 Land $29,150 Building $193,750

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 3546 Ridgewood Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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 Claims	2 (1993–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2017 · other causes

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 3546 Ridgewood 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 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.

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 396 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
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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