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3743 Spencer Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3743 Spencer Ave, Cincinnati, OH 45212 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1910
Square Footage1,472 sqft Living Area
Lot Size7,536 sqft (0.173 acres)
OccupancyOwner Occupied
Last Sale$360,000 (2026)
Tax Bill$4,159.00 (2025)

Property Details

APN / Parcel Number

Primary APN651-0039-0120-00
Alternative APN
  • 0059307

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms6 Rooms
Building Area1,472 sqft Living Area
Gross Area2,208 sqft Gross Area
1st Floor736 sqft 1st Floor
2nd Floor736 sqft 2nd Floor
Basement Area736 sqft Basement
Stories2 Stories

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleConventional Style
Exterior MaterialBrick Exterior
Construction TypeBrick Construction
Roof MaterialAsphalt Roof
Lot Area7,536 sqft (0.173 acres)
Depth X Width150 ft x 50 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeDetached Garage
Garage Area484 sqft Garage
PorchPorch
Porch Area221 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemBaseboard Heating
Heating FuelOil Heating Fuel

Location & Zoning

Street Address3743 SPENCER AVE
CityCINCINNATI
StateOH
Zip45212-3831
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description3743 SPENCER AVE 50 X 150LOT 14 ELSMERE SUB
Legal SubdivisionELSMERE SUB
Legal Lot Number14
JurisdictionHAMILTON OH
Minor Civil DivisionNORWOOD
Census Blockgroup2
Census Block2006
Census Tract25600

Owner

Source: Hamilton County records · APN 651-0039-0120-00

Assessment roll updated January 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 20, 2026Warranty Deed, Transfer · Conventional Mortgage
KEMBA CREDIT UNION
Jun 05, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PRIME LNDG
Jan 06, 2020Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Dec 18, 2019Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 20, 2026 · Amount on Record
Deed SaleMay 20, 2026 · Amount on Record
Prior SaleJun 05, 2020 · Amount on Record
Deed Doc Number202639629
Deed Book / Page15670 / 1859
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateMay 20, 2026
Property Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831
Document Number0000039629
Book / Page15670 / 1859
Instrument DateMay 18, 2026
Instrument202639629
Transaction TypeTransfer
Record UpdatedJun 23, 2026
Title CompanyRIVER TOWN TITLE, RIVERTOWNE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$72,720.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831

Mortgage

Document Number0000039630,
DateMay 20, 2026
Instrument202639630
Lender
NameKEMBA CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.5%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateJun 05, 2020
Property Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831
Document Number0000052751
Book / Page014183 / 001224
Instrument DateMay 29, 2020
Instrument52751
Transaction TypeTransfer
Record UpdatedJul 28, 2020
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$900.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address6388 SNIDER RD #234 MASON OH 45040, 234, MASON, OH 45040

Mortgage

Document Number52752
DateJun 05, 2020
Book Page014183/001227
Instrument52752
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 04, 2050

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateJan 06, 2020
Property Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831
Document Number0000001374
Book / Page014077 / 001961
Instrument DateDec 30, 2019
Instrument1374
Transaction TypeTransfer
Record UpdatedFeb 27, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$440.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6338 SNIDER RD #234 MASON OH 450405110, 234, MASON, OH 45040-5110

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateDec 18, 2019
Property Address3743 SPENCER AVE, CINCINNATI, OH 45212-3831
Document Number0000112212
Book / Page014066 / 002240
Instrument DateDec 13, 2019
Instrument112212
Transaction TypeTransfer
Record UpdatedFeb 27, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$369.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 58731 CINCINNATI OH 452580731, CINCINNATI, OH 45258-0731
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
MunicipalityNorwood City
Unified School DistrictNorwood City School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,159.00 (+2.79%)$80,305 (+%) Land $29,383 Building $50,922$229,440 (-) Land $83,950 Building $145,490
2024$4,046.00 (-2.53%)$80,303 (-) Land $29,382 Building $50,921
2023$4,151.00 (-14.24%)$80,303 (+1.97%) Land $29,382 Building $50,921$229,440 (+1.97%) Land $83,950 Building $145,490
2022$4,840.00 Homeowner's exemption$78,750 Land $13,321 Building $65,429
2020$225,000 Land $38,060 Building $186,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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