3846 Mount Vernon Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3846 Mount Vernon Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,305 sqft · built 1905
Lot Size	0.133 acres (5,793 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Aug 2026)
Tax Bill	$8,197 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-0004-0069-00`

Property Details

APN / Parcel Number

Primary APN	`039-0004-0069-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Gross Area	2,030 sqft
1st Floor Area	725 sqft
2nd Floor Area	580 sqft
Upper Floors Area	580 sqft
Basement Area	725 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,793 sqft (0.133 acres)
Lot Dimensions	146 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3846 MOUNT VERNON AVE
City	CINCINNATI
State	OH
Zip	45209-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	3846 MT VERNON AVE 40 X 146.50 LOT 49 M Y COOPERS SUB
Legal Subdivision	COOPERS SUB
Legal Lot Number	49
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3003
Census Tract	5301

Owner

3846 Mount Vernon Ave is owned and occupied by two individuals who bought it in August 2026.

Source: Hamilton County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME LENDING
Feb 23, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK
Apr 3, 2020	Deed of Trust, Mortgage · Conventional with PMI GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Prior Sale	Feb 23, 2023 · Amount on File
Deed Document Number	202669969
Deed Book / Page	15737 / 1184
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 26, 2026
Property Address	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118
Document Number	0000069969
Book / Page	15737 / 1184
Instrument Date	Aug 19, 2026
Instrument	202669969
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118

Mortgage

Document Number	0000069970,
Date	Aug 26, 2026
Instrument	202669970

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 23, 2023
Property Address	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118
Document Number	0000012839
Book / Page	14859 / 1909
Map Reference	MB 15 PG 56
Instrument Date	Feb 22, 2023
Instrument	2023-0012839
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
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	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118

Mortgage

Document Number	0000012840
Date	Feb 23, 2023
Instrument	2023-0012840

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3846 MOUNT VERNON AVE, CINCINNATI, OH 45209-2118
Document Number	0000035147
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	RELIABLE LAND TITLE AGENCY LLC, RELIABLE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3846 MOUNT VERNON AVE CINCINNATI OH 452092118, CINCINNATI, OH 45209-2118

Mortgage

Document Number	0000035147
Date	Apr 15, 2020
Book Page	014147/001471
Instrument	35147

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Apr 14, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3846 Mount Vernon Ave was $8,197, up 3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,197.00 (+2.96%)	$133,001 (+%) Land $54,464 Building $78,537	$380,000 Land $155,610 Building $224,390
2024	$7,961.00 (-2.1%)	$132,999 (-) Land $54,463 Building $78,536
2023	$8,132.00 (+18.58%)	$132,999 (+32.2%) Land $54,463 Building $78,536	$380,000 Land $155,610 Building $224,390
2022	$6,858.00 Homeowner's exemption	$100,601 Land $46,659 Building $53,942
2020			$287,430 Land $133,310 Building $154,120

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 3846 Mount Vernon Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2016–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · rainfall accumulation

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 3846 Mount Vernon Ave is low, with less than 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 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 852 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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