3732 Elsmere Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3732 Elsmere Ave, Cincinnati, OH 45212

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1914
Lot Size	0.069 acres (3,006 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (May 2026)
Tax Bill	$3,894 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`651-0039-0219-00`

Property Details

APN / Parcel Number

Primary APN	`651-0039-0219-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	2,451 sqft
1st Floor Area	817 sqft
2nd Floor Area	817 sqft
Basement Area	817 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,006 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	160 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	133 sqft
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3732 ELSMERE AVE
City	CINCINNATI
State	OH
Zip	45212-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMX
Legal Description	3732 ELSMERE AVE 30 X 100 IRRPT LOTS 147-148 ELSMERE SUB
Legal Subdivision	ELSMERE SUB
Legal Lot Number	147-1
Jurisdiction	HAMILTON OH
Township / Civil Division	NORWOOD
Census Block Group	1
Census Block	1007
Census Tract	25600

Owner

3732 Elsmere Ave is owned and occupied by an individual who bought it in May 2026.

Source: Hamilton County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3732 ELSMERE AVE, CINCINNATI, OH 45212-3818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jul 1, 2021	Warranty Deed, Transfer · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on File
Deed Sale	May 14, 2026 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	202637103
Deed Book / Page	15666 / 1
Prior Transfer Date	Jan 11, 2005
Prior Transfer Doc	0000000244
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 14, 2026
Property Address	3732 ELSMERE AVE, CINCINNATI, OH 45212-3818
Document Number	0000037103
Book / Page	15666 / 1
Instrument Date	May 8, 2026
Instrument	202637103
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	RED LETTER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3732 ELSMERE AVE, CINCINNATI, OH 45212-3818

Mortgage

Document Number	0000037104,
Date	May 14, 2026
Book Page	15666/3
Instrument	202637104

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 1, 2021
Property Address	3732 ELSMERE AVE, CINCINNATI, OH 45212-3818
Document Number	0000080225
Book / Page	14450 / 1825
Map Reference	MB 8 VOL 2 PG 35&36
Instrument Date	Jun 18, 2021
Instrument	2021-0080225
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3732 ELSMERE AVE, CINCINNATI, OH 45212-3818

Mortgage

Document Number	0000080226
Date	Jul 1, 2021
Instrument	2021-0080226

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3732 Elsmere Ave was $3,894, up 2.9% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,894.00 (+2.93%)	$75,251 (+%) Land $16,447 Building $58,804	$215,000 Land $46,990 Building $168,010
2024	$3,783.00 (-2.6%)	$75,249 (-) Land $16,446 Building $58,803
2023	$3,884.00 (+59.51%)	$75,249 (+90.36%) Land $16,446 Building $58,803	$215,000 Land $46,990 Building $168,010
2022	$2,435.00 Homeowner's exemption	$39,530 Land $7,459 Building $32,071
2020			$112,940 Land $21,310 Building $91,630

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3732 Elsmere Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3732 Elsmere Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	NORWOOD CITY PWS serves 19,870 people · EPA ID OH3101703
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Jun 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 841 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Elsmere Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures