38 Cochran Rd, Hamilton, OH 45013 Property Records

Butler County property record for 38 Cochran Rd, Hamilton, OH 45013

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,936 sqft · built 1992
Lot Size	8.04 acres (350,222 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (Jan 2025)
Tax Bill	$5,970 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jan 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`B1310-031.000-044`

Property Details

APN / Parcel Number

Primary APN	`B1310-031.000-044`
Alternative APNs	`0000900` `390664` `393889`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,936 sqft Living Area
Gross Area	1,752 sqft
1st Floor Area	1,752 sqft
Basement Area	568 sqft
Finished Basement	568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	350,222 sqft (8.04 acres)
Garage Type	Detached
Garage Area	1,152 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	88 sqft
Patio Area	870 sqft
Canopy	528 sqft
Pole Barn	4,480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0000900
Old Parcel Number	B1310031.000044
Street Address	38 COCHRAN RD
City	HAMILTON
State	OH
Zip	45013-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4 31 NW COR S 1/2 SW
Jurisdiction	BUTLER OH
Township / Civil Division	HANOVER
Census Block Group	2
Census Block	2025
Census Tract	15000

Owner

38 Cochran Rd is owned and occupied by an individual who bought it in January 2025.

Source: Butler County records, as of March 11, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
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
Apr 28, 2021	Deed of Trust, Mortgage · Line of Credit FRANKLIN MORTGAGE SOLUTIONS LLC
Jan 10, 2025	Warranty Deed, Transfer · Conventional Mortgage DAY AIR CREDIT UNION INC
Dec 18, 2023	Intrafamily Transfer, Transfer RED LETTER TITLE LLC
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage EMERY FCU
Sep 6, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 6, 2022	Affidavit, Transfer
Jun 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2025 · Amount on File
Deed Sale	Jan 10, 2025 · Amount on File
Prior Sale	Dec 18, 2023
Deed Document Number	0000000909
Deed Book / Page	10174 / 237
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024326
Date	Apr 28, 2021
Book Page	9640/1098
Instrument	2021-00024326

Lender

Name	FRANKLIN MORTGAGE SOLUTIONS LLC
Type	Non-Lending Institution
Address	SPRINGBORO, OH 45066

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jan 10, 2025
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Document Number	0000000909
Book / Page	10174 / 237
Instrument Date	Jan 8, 2025
Instrument	2025-00000909
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	RED LETTER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 COCHRAN RD, HAMILTON, OH 45013-9109

Mortgage

Document Number	0000000910
Date	Jan 10, 2025
Instrument	2025-00000910

Lender

Name	DAY AIR CREDIT UNION INC
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Feb 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	5-Year TN
Margin	3
Max Rate	11.8%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTLER OH
Recording Date	Dec 18, 2023
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Document Number	0000040007
Book / Page	10042 / 817
Instrument Date	Nov 17, 2023
Instrument	2023-00040007
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	RED LETTER TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 COCHRAN RD, HAMILTON, OH 45013-9109

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Aug 22, 2023
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Document Number	0000026546
Book / Page	10006 / 556
Instrument Date	Aug 18, 2023
Instrument	2023-00026546
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	RED LETTER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 COCHRAN RD, HAMILTON, OH 45013-9109

Mortgage

Document Number	0010006558
Date	Aug 22, 2023
Instrument	10006/558

Lender

Name	EMERY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Sep 6, 2022
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Document Number	0000038981
Book / Page	9894 / 417
Instrument Date	Aug 26, 2022
Instrument	2022-00038981
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	REDHAWK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	38 COCHRAN RD, HAMILTON, OH 45013-9109
Investor	Possibly a Property Investor

Mortgage

Document Number	0009894419
Date	Sep 6, 2022
Instrument	9894/419

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

September 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	BUTLER OH
Recording Date	Sep 6, 2022
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Document Number	0000038980
Book / Page	9894 / 415
Instrument Date	Aug 23, 2022
Instrument	2022-00038980
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	38 COCHRAN RD, HAMILTON, OH 45013-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022452
Date	Jun 2, 2020
Book Page	9450/66
Instrument	2020-00022452

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 38 Cochran Rd was $5,970, up 5.3% from the year before.

Source: Butler County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
County Subdivision	Hanover Township
Unified School District	Ross Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,970.00 (+5.25%)	$166,310 (+4.64%) Land $33,710 Building $132,600	$475,170 (+4.64%) Land $96,320 Building $378,850
2024	$5,672.00 (+1.32%)	$158,940 (-) Land $33,710 Building $125,230	$454,120 (-) Land $96,320 Building $357,800
2023	$5,598.00 (+29.34%)	$158,940 (+45.15%) Land $33,710 Building $125,230	$454,120 Land $96,320 Building $357,800
2022	$4,328.00	$109,500 Land $33,710 Building $75,790
2020			$312,870 Land $96,320 Building $216,550

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 38 Cochran Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · 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	8 in force
Nearby Flood Claims	3 (1996–2008)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2008 · other causes
Claims by Event	Flooding, May 1996 · 2 claims

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

Wildfire risk around 38 Cochran Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTHWEST REGIONAL WATER DISTRICT public/private · serves 42,856 people · EPA ID OH0903912
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 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 28 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
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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