3895 Oak St, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3895 Oak St, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,867 sqft · built 1923
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Feb 2025)
Tax Bill	$10,428 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`527-0040-0190-00`

Property Details

APN / Parcel Number

Primary APN	`527-0040-0190-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,867 sqft Living Area
Gross Area	2,952 sqft
1st Floor Area	1,085 sqft
2nd Floor Area	782 sqft
Basement Area	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	97 ft deep x 70.3 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Patio Area	415 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3895 OAK ST
City	CINCINNATI
State	OH
Zip	45227-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3895 OAK ST 70.34 X 97.03 FT IRR LOT 2 TOWN OF MARIEMONT SUB BLK 5
Legal Subdivision	TOWN OF MARIEMONT SUB
Legal Block	5
Legal Lot Number	2
Jurisdiction	HAMILTON OH
Township / Civil Division	MARIEMONT
Census Block Group	3
Census Block	3011
Census Tract	24800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Village of Mariemont listed 2007 · 1,024 contributing resources · National Historic Landmark (designated 2007) · NRIS 07000431

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3895 Oak St is owned and occupied by two individuals who bought it in February 2025.

Source: Hamilton County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3895 OAK ST, CINCINNATI, OH 45227-3649
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2025 · Amount on File
Deed Sale	Feb 24, 2025 · Amount on File
Deed Document Number	202512655
Deed Book / Page	15359 / 434
Prior Transfer Date	Jul 18, 2007
Prior Transfer Doc	0000104621
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Apr 29, 2026
Property Address	3895 OAK ST, CINCINNATI, OH 45227-3649
Document Number	0000032521
Book / Page	15655 / 1617
Instrument Date	Apr 16, 2026
Instrument	202632521
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 OAK ST, CINCINNATI, OH 45227-3649

Mortgage

Document Number	0000032521,
Date	Apr 29, 2026
Book Page	15655/1617
Instrument	202632521

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 16, 2036

Interest

Rate	6.22%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3895 Oak St was $10,428, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,428.00 (+2.2%) Homeowner's exemption	$158,214 (-) Land $78,400 Building $79,814	$452,040 Land $224,000 Building $228,040
2024	$10,204.00 (+7.86%) Homeowner's exemption	$158,214 (-) Land $78,400 Building $79,814
2023	$9,460.00 (+4.79%) Homeowner's exemption	$158,214 (+22.41%) Land $78,400 Building $79,814	$452,040 Land $224,000 Building $228,040
2022	$9,028.00 Homeowner's exemption	$129,248 Land $45,885 Building $83,363
2020			$369,280 Land $131,100 Building $238,180

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 3895 Oak St 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

Wildfire risk around 3895 Oak St 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	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 798 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	300 / 20
T-Mobile Fixed Wireless	100 / 20