3815 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3815 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,277 sqft · built 1930
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (Dec 2025)
Tax Bill	$3,411 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`523-0006-0154-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0154-00`
Alternative APN	`0020977`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,277 sqft Living Area
Gross Area	1,754 sqft
1st Floor Area	877 sqft
Basement Area	877 sqft
Finished Basement	400 sqft
Unfinished Basement	477 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3815 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHINGTON AVE 40 X 125 LOT 154 FAIRFAX SUB
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	154
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1011
Census Tract	24700

Owner

Source: Hamilton County records, as of February 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3815 WATTERSON RD, CINCINNATI, OH 45227-3646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Warranty Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Mar 3, 2010
Deed Document Number	202596776
Deed Book / Page	15560 / 720
Prior Transfer Date	Dec 23, 2009
Prior Transfer Doc	0000000475
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 11, 2025
Property Address	3815 WATTERSON RD, CINCINNATI, OH 45227-3646
Document Number	0000096776
Book / Page	15560 / 720
Map Reference	MB 20 PG 80&81
Instrument Date	Dec 10, 2025
Instrument	2025-0096776
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 WATTERSON RD, CINCINNATI, OH 45227-3646

Mortgage

Document Number	0000096777
Date	Dec 11, 2025
Instrument	2025-0096777

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3815 WATTERSON RD, CINCINNATI, OH 45227-3646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009060
Date	Jan 30, 2017
Instrument	17-0009060

Lender

Name	HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,411.00 (-16.74%) Homeowner's exemption	$55,700 (+%) Land $20,136 Building $35,564	$159,140 (-) Land $57,530 Building $101,610
2024	$4,097.00 (+7.87%)	$55,698 (-) Land $20,135 Building $35,563
2023	$3,798.00 (+23.43%)	$55,698 (+48.89%) Land $20,135 Building $35,563	$159,140 (+48.9%) Land $57,530 Building $101,610
2022	$3,077.00 Homeowner's exemption	$37,409 Land $10,812 Building $26,597
2020			$106,880 Land $30,890 Building $75,990

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

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	70 (1979–2026)
Claims Outside the SFHA	16 of 70
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2001 · 16 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 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 544 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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