3609 Center St, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3609 Center St, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,572 sqft · built 1945
Lot Size	0.228 acres (9,975 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jun 1996)
Tax Bill	$16,932 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`527-0010-0040-00`

Property Details

APN / Parcel Number

Primary APN	`527-0010-0040-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
1st Floor Area	1,502 sqft
2nd Floor Area	1,070 sqft
Basement Area	1,037 sqft
Finished Basement	400 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3609 CENTER ST
City	CINCINNATI
State	OH
Zip	45227-4408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTER AVE 80 X 125 LOT 2PT 1 BLK 34 TOWN OF MARIEMONT PARS 40-113 CONS
Legal Subdivision	TOWN MARIEMONT
Legal Block	34
Legal Lot Number	2
Jurisdiction	HAMILTON OH
Township / Civil Division	MARIEMONT
Census Block Group	2
Census Block	2006
Census Tract	24800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mariemont Historic District listed 1979 · 182 contributing resources · NRIS 79001862

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3609 Center St is owned and occupied by two individuals who bought it in June 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	3609 CENTER ST, CINCINNATI, OH 45227-4408
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 1996 · Amount on File
Deed Sale	Jun 18, 1996 · Amount on File
Deed Document Number	783828
Deed Book / Page	0000007082 / 0000001580
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3609 CENTER ST, CINCINNATI, OH 45227-4408
Document Number	0000096130
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3609 CENTER ST CINCINNATI OH 452274408, CINCINNATI, OH 45227-4408

Mortgage

Document Number	0000096130
Date	Sep 21, 2020
Book Page	014257/002410
Instrument	96130

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Center St was $16,932, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,932.00 (+2.28%)	$240,464 (-) Land $113,953 Building $126,511
2024	$16,555.00 (+8.44%)	$240,464 (-) Land $113,953 Building $126,511
2023	$15,266.00 (-10.84%)	$240,464 (+5.24%) Land $113,953 Building $126,511	$687,040 Land $325,580 Building $361,460
2022	$17,122.00 Homeowner's exemption	$228,487 Land $91,735 Building $136,752
2020			$652,820 Land $262,100 Building $390,720

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

Flood

FEMA maps place 3609 Center St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	3 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · 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 3609 Center St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 289 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	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20