3826 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3826 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,059 sqft · built 1935
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Sep 2026)
Tax Bill	$4,913 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`523-0006-0204-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0204-00`
Alternative APN	`0084457`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,059 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	1,059 sqft
Basement Area	723 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Frame Siding
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	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	91 sqft
Deck Area	Deck Area
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3826 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-3647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3826 WATTERSON AVE 40 X 125 LOT 204 FAIRFAX SUB
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	204
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1012
Census Tract	24700

Owner

Source: Hamilton County records, as of October 21, 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	3826 WATTERSON RD, CINCINNATI, OH 45227-3647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · Conventional Mortgage GREATER CINCINNATI CREDIT UNION INC
Oct 6, 2020	Survivorship Deed, Transfer · Conventional Mortgage VALLEY CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	202677503
Deed Book / Page	15753 / 1885
Prior Transfer Date	Sep 1, 2005
Prior Transfer Doc	0000160871
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 18, 2026
Property Address	3826 WATTERSON RD, CINCINNATI, OH 45227-3647
Document Number	0000077503
Book / Page	15753 / 1885
Instrument Date	Sep 14, 2026
Instrument	202677503
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	CAMBRIDGE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,580.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3826 WATTERSON RD, CINCINNATI, OH 45227-3647

Mortgage

Document Number	0000077504,
Date	Sep 18, 2026
Instrument	202677504

Lender

Name	GREATER CINCINNATI CREDIT UNION INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 6, 2020
Property Address	3826 WATTERSON RD, CINCINNATI, OH 45227-3647
Document Number	0000102885
Book / Page	14268 / 676
Map Reference	MB 20 PG 2
Instrument Date	Sep 27, 2020
Instrument	2020-0102885
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$752.00
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	3826 WATTERSON RD, CINCINNATI, OH 45227-3647

Mortgage

Document Number	0000102886
Date	Oct 6, 2020
Instrument	2020-0102886

Lender

Name	VALLEY CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	$4,913.00 (+1.76%)	$65,801 (+%) Land $20,136 Building $45,665	$188,000 (-) Land $57,530 Building $130,470
2024	$4,828.00 (+7.79%)	$65,799 (-) Land $20,135 Building $45,664
2023	$4,479.00 (+65.28%)	$65,799 (+99.65%) Land $20,135 Building $45,664	$188,000 (+99.66%) Land $57,530 Building $130,470
2022	$2,710.00 Homeowner's exemption	$32,957 Land $10,812 Building $22,145
2020			$94,160 Land $30,890 Building $63,270

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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