3704 Kroger Ave, Cincinnati, OH 45226 Property Records

Hamilton County property record for 3704 Kroger Ave, Cincinnati, OH 45226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,058 sqft · built 1927
Lot Size	0.203 acres (8,886 sqft)
Owner	Individual Name on Record
Last Sale	$965,000 (Aug 2017)
Tax Bill	$11,305 (2025)
Deeds & Mortgages	May 2017 Line of Credit Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-0002-0039-00`

Property Details

APN / Parcel Number

Primary APN	`016-0002-0039-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,058 sqft Living Area
1st Floor Area	1,480 sqft
2nd Floor Area	1,164 sqft
Attic	Attic
Attic Area	414 sqft
Basement Area	1,480 sqft
Finished Basement	670 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,886 sqft (0.203 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	330 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3704 KROGER AVE
City	CINCINNATI
State	OH
Zip	45226-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3704 KROGER AV 70 X 125 PT LOT 207 LONGWORTH TUSCULUM SUB
Legal Subdivision	LONGWORTH TUSCULUM SUB
Legal Lot Number	207
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3003
Census Tract	4703

Owner

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	3704 KROGER AVE, CINCINNATI, OH 45226-1916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2017	Deed of Trust, Mortgage · Line of Credit WATCH HILL BANK
Nov 3, 2020	Loan Modification, Mortgage GENERAL ELECTRIC CU
Aug 10, 2017	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2017 · Amount on Record
Deed Sale	Aug 10, 2017 · Amount on Record
Prior Sale	Nov 9, 2016 · Amount on Record
Deed Document Number	17-0072441
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3704 KROGER AVE, CINCINNATI, OH 45226-1916
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003928
Date	May 16, 2017
Book Page	13418/02605
Instrument	17-0043928

Lender

Name	WATCH HILL BANK
Type	Bank
Address	CINCINNATI, OH 45230

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3704 KROGER AVE, CINCINNATI, OH 45226-1916
Document Number	0000118275
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3704 KROGER AVE CINCINNATI OH 452261916, CINCINNATI, OH 45226-1916

Mortgage

Document Number	0000118275
Date	Nov 10, 2020
Book Page	014293/000220
Instrument	118275

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 10, 2017
Property Address	3704 KROGER AVE, CINCINNATI, OH 45226-1916
Document Number	0000002441
Map Reference	MB 3 PG 106
Instrument Date	Jul 28, 2017
Instrument	17-0072441
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3704 KROGER AVE, CINCINNATI, OH 45226-1916

Mortgage

Document Number	0000002442
Date	Aug 10, 2017
Instrument	17-0072442

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

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	$11,305.00 (+3.14%)	$279,892 (-) Land $54,828 Building $225,064
2024	$10,961.00 (-2.21%)	$279,892 (-) Land $54,828 Building $225,064
2023	$11,209.00 (-31.74%)	$279,892 (-17.13%) Land $54,828 Building $225,064	$799,690 (-17.13%) Land $156,650 Building $643,040
2022	$16,422.00 Homeowner's exemption	$337,750 Land $52,010 Building $285,740
2020			$965,000 Land $148,600 Building $816,400

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 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.

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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