3748 Elsmere Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3748 Elsmere Ave, Cincinnati, OH 45212

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,552 sqft · built 1908
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Oct 2023)
Tax Bill	$5,356 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`651-0039-0223-00`

Property Details

APN / Parcel Number

Primary APN	`651-0039-0223-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,552 sqft Living Area
1st Floor Area	640 sqft
2nd Floor Area	616 sqft
Attic	Attic
Attic Area	296 sqft
Basement Area	640 sqft

Exterior

Year Built	Built 1908
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3748 ELSMERE AVE
City	CINCINNATI
State	OH
Zip	45212-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3748 ELSMERE AVE 50 X 150LOT 156 ELSMERE SUB
Legal Subdivision	ELSMERE SUB
Legal Lot Number	156
Jurisdiction	HAMILTON OH
Township / Civil Division	NORWOOD
Census Block Group	1
Census Block	1007
Census Tract	25600

Owner

3748 Elsmere Ave is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3748 ELSMERE AVE, CINCINNATI, OH 45212-3818
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
Oct 2, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2023 · Amount on File
Deed Sale	Oct 2, 2023 · Amount on File
Prior Sale	Jul 29, 2020 · Amount on File
Deed Document Number	2023-0069849
Deed Book / Page	15012 / 25
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 2, 2023
Property Address	3748 ELSMERE AVE, CINCINNATI, OH 45212-3818
Document Number	0000069849
Book / Page	15012 / 25
Map Reference	MB 8 VOL 2 PG 35&36
Instrument Date	Sep 29, 2023
Instrument	2023-0069849
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3748 ELSMERE AVE, CINCINNATI, OH 45212-3818

Mortgage

Document Number	0000069850
Date	Oct 2, 2023
Instrument	2023-0069850

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 29, 2020
Property Address	3748 ELSMERE AVE, CINCINNATI, OH 45212-3818
Document Number	0000074041
Book / Page	014220 / 000704
Instrument Date	Jul 2, 2020
Instrument	74041
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3748 ELSMERE AVE CINCINNATI OH 452123818, CINCINNATI, OH 45212-3818

Mortgage

Document Number	74042
Date	Jul 29, 2020
Book Page	014220/000706
Instrument	74042

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3748 Elsmere Ave was $5,356, up 2.7% from the year before.

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

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	$5,356.00 (+2.74%)	$103,425 (+%) Land $29,382 Building $74,043
2024	$5,213.00 (-2.49%)	$103,424 (-) Land $29,382 Building $74,042
2023	$5,346.00 (-15.88%)	$103,424 (%) Land $29,382 Building $74,042	$295,500 Land $83,950 Building $211,550
2022	$6,355.00 Homeowner's exemption	$103,425 Land $13,321 Building $90,104
2020			$295,500 Land $38,060 Building $257,440

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 3748 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 3748 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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