3645 Vineyard Rdg, Cincinnati, OH 45241 Property Records

Hamilton County property record for 3645 Vineyard Rdg, Cincinnati, OH 45241

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,662 sqft · built 1985
Lot Size	1.64 acres (71,787 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,496 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`611-0011-0095-00`

Property Details

APN / Parcel Number

Primary APN	`611-0011-0095-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,662 sqft Living Area
1st Floor Area	1,472 sqft
2nd Floor Area	1,190 sqft
Basement Area	1,472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	71,787 sqft (1.64 acres)
Lot Dimensions	446 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	192 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3645 VINEYARD RDG
City	CINCINNATI
State	OH
Zip	45241-3293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARD RIDGE 88.01 X 446.29 IRR LOT 149 PARK HILLS SUB SEC 2 PHASE A
Legal Subdivision	PARK HILLS SUB
Legal Phase	A
Legal Lot Number	149
Jurisdiction	HAMILTON OH
Township / Civil Division	EVENDALE
Census Block Group	1
Census Block	1042
Census Tract	23100

Owner

3645 Vineyard Rdg is owned and occupied by two individuals who acquired it in March 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	3645 VINEYARD RDG, CINCINNATI, OH 45241-3293
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
Aug 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jul 30, 2021	Transfer on Death Deed, Transfer
Dec 11, 2019	Deed of Trust, Mortgage · Line of Credit UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2014
Deed Sale	Mar 20, 2014
Prior Sale	Mar 5, 1996
Deed Document Number	311032
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3645 VINEYARD RDG, CINCINNATI, OH 45241-3293
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076678
Date	Aug 30, 2018
Book Page	13743/00297
Instrument	2018-0076678

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	157 Months
Due	Sep 1, 2031

July 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 30, 2021
Property Address	3645 VINEYARD RDG, CINCINNATI, OH 45241-3293
Document Number	0000092293
Book / Page	14470 / 20
Map Reference	MB 248 PG 95-98
Instrument Date	Jun 30, 2021
Instrument	2021-0092293
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3645 VINEYARD RDG, CINCINNATI, OH 45241-3293
Document Number	0000002842
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 VINEYARD RDG CINCINNATI OH 452413293, CINCINNATI, OH 45241-3293

Mortgage

Document Number	0000002842
Date	Jan 9, 2020
Book Page	014080/001014
Instrument	2842

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 8, 2030

Interest

Rate Type	Adjustable Rate
Rate	2%

Tax Assessment & Valuation

The 2025 property tax bill for 3645 Vineyard Rdg was $7,496, up 16.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,496.00 (+16.92%)	$157,623 (-) Land $45,304 Building $112,319
2024	$6,411.00 (+0.06%)	$157,623 (-) Land $45,304 Building $112,319
2023	$6,407.00 (-0.25%)	$157,623 (+24.13%) Land $45,304 Building $112,319	$450,350 Land $129,440 Building $320,910
2022	$6,423.00 Homeowner's exemption	$126,984 Land $44,114 Building $82,870
2020			$362,810 Land $126,040 Building $236,770

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

Flood

FEMA maps place 3645 Vineyard Rdg in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1979.

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 File median of 36 policies
Nearby Flood Policies	36 in force
Nearby Flood Claims	12 (1979–2017)
Most Recent Claim	Nov 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2001 · 2 claims

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 3645 Vineyard Rdg 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 212 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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