3608 Kroger Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 3608 Kroger Ave, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,066 sqft · built 1947
Lot Size	0.087 acres (3,790 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jul 2021)
Tax Bill	$5,817 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`025-0002-0092-00`

Property Details

APN / Parcel Number

Primary APN	`025-0002-0092-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	720 sqft
Attic	Attic
Attic Area	346 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,790 sqft (0.087 acres)
Lot Dimensions	110 ft deep x 37 ft wide
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3608 KROGER AVE
City	CINCINNATI
State	OH
Zip	45226-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KROGER AV 36.50 X 110 PT LOT 10 JOHN TOTTENS SUB PLAT A
Legal Subdivision	JOHN TOTTENS SUB
Legal Lot Number	10
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3006
Census Tract	4703

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3608 KROGER AVE, CINCINNATI, OH 45226-1914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Jun 10, 2005 · Amount on Record
Deed Document Number	0000083465
Deed Book / Page	14455 / 1139
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3608 KROGER AVE, CINCINNATI, OH 45226-1914
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110901
Date	Dec 19, 2018
Book Page	13818/01045
Instrument	2018-0110901

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 9, 2021
Property Address	3608 KROGER AVE, CINCINNATI, OH 45226-1914
Document Number	0000083465
Book / Page	14455 / 1139
Map Reference	MB 5 PG 210&211
Instrument Date	Jun 30, 2021
Instrument	2021-0083465
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3608 KROGER AVE, CINCINNATI, OH 45226-1914

Mortgage

Document Number	0000083466
Date	Jul 9, 2021
Instrument	2021-0083466

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3608 KROGER AVE, CINCINNATI, OH 45226-1914
Document Number	0000001280
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3608 KROGER AVE CINCINNATI OH 452261914, CINCINNATI, OH 45226-1914

Mortgage

Document Number	0000001280
Date	Jan 6, 2020
Book Page	014077/001660
Instrument	1280

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Tax Assessment & Valuation

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	$5,817.00 (+3.12%)	$94,500 (-) Land $32,095 Building $62,405
2024	$5,641.00 (-2.2%)	$94,500 (-) Land $32,095 Building $62,405
2023	$5,768.00 (+17.76%)	$94,500 (+31.32%) Land $32,095 Building $62,405	$270,000 (+31.32%) Land $91,700 Building $178,300
2022	$4,898.00 Homeowner's exemption	$71,961 Land $30,440 Building $41,521
2020			$205,600 Land $86,970 Building $118,630

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

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	Low lower than 93% of the US · lower than 68% 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 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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