3736 Elsmere Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3736 Elsmere Ave, Cincinnati, OH 45212

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 2,026 sqft · built 1914
Lot Size	0.069 acres (3,006 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Nov 2025)
Tax Bill	$3,799 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`651-0039-0220-00`

Property Details

APN / Parcel Number

Primary APN	`651-0039-0220-00`
Alternative APN	`0010578`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	4 Units
Stories	2 Stories
Building Area	2,026 sqft Living Area
Gross Area	2,843 sqft
1st Floor Area	817 sqft
2nd Floor Area	817 sqft
Attic	Attic
Attic Area	392 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
Porch	Open Frame Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3736 ELSMERE AVE
City	CINCINNATI
State	OH
Zip	45212-3871
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	3736 ELSMERE AVE 30 X 100 IRRPTS 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

3736 Elsmere Ave, a residential property, is owned and occupied by an individual who bought it in November 2025.

Source: Hamilton County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871
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
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 10, 2025	Warranty Deed, Transfer · Conventional Mortgage LIBERTY FCU
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
May 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Prior Sale	May 8, 2020 · Amount on File
Deed Document Number	202587705
Deed Book / Page	15540 / 1797
Transfer Doc	0000175415
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871

Mortgage

Document Number	0000012169
Date	Feb 26, 2024
Book Page	15110/25
Instrument	2024-0012169

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 15, 2064

Interest

Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 10, 2025
Property Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871
Document Number	0000087705
Book / Page	15540 / 1797
Instrument Date	Nov 6, 2025
Instrument	2025-0087705
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	UNKNOWN, LTOC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3736 ELSMERE AVE, NORWOOD, OH 45212-3871

Mortgage

Document Number	0000087706
Date	Nov 10, 2025
Instrument	2025-0087706

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871
Document Number	0000065034
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3736 ELSMERE AVE CINCINNATI OH 452123871, CINCINNATI, OH 45212-3871

Mortgage

Document Number	0000065034
Date	Jul 8, 2020
Book Page	014205/000433
Instrument	65034

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 8, 2020
Property Address	3736 ELSMERE AVE, CINCINNATI, OH 45212-3871
Document Number	0000043443
Book / Page	014164 / 002693
Instrument Date	May 1, 2020
Instrument	43443
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$828.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3736 ELSMERE AVE CINCINNATI OH 452123871, CINCINNATI, OH 45212-3871

Tax Assessment & Valuation

The 2025 property tax bill for 3736 Elsmere Ave was $3,799, down 3.1% 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	$3,799.00 (-3.09%)	$72,650 (-) Land $16,447 Building $56,203	$207,570 Land $46,990 Building $160,580
2024	$3,920.00 (+3.1%)	$72,650 (-) Land $16,447 Building $56,203
2023	$3,802.00 (-15.79%)	$72,650 (+0.27%) Land $16,447 Building $56,203	$207,570 Land $46,990 Building $160,580
2022	$4,515.00 Homeowner's exemption	$72,451 Land $7,459 Building $64,992
2020			$207,000 Land $21,310 Building $185,690

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

FEMA maps place 3736 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 3736 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.

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