3906 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3906 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,137 sqft · built 1928
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (May 2001)
Tax Bill	$3,583 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`523-0006-0209-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0209-00`
Alternative APN	`0042292`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,137 sqft Living Area
Gross Area	1,905 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	369 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3906 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3906 WATTERSON ST 40 X 125 LOT 209 FAIRFAX SUB
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	209
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1006
Census Tract	24700

Owner

Source: Hamilton County records, as of January 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3906 WATTERSON RD, CINCINNATI, OH 45227-3501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2001 · Amount on Record
Deed Sale	May 14, 2001 · Amount on Record
Deed Document Number	200181835
Deed Book / Page	8572 / 4284
Prior Transfer Date	Mar 8, 1996
Prior Transfer Doc	0000037475
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3906 WATTERSON RD, CINCINNATI, OH 45227-3501
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004619
Date	Apr 25, 2018
Instrument	18-0034619

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,583.00 (+1.88%) Homeowner's exemption	$57,947 (+%) Land $20,136 Building $37,811	$165,560 (-) Land $57,530 Building $108,030
2024	$3,517.00 (+6.06%) Homeowner's exemption	$57,945 (-) Land $20,135 Building $37,810
2023	$3,316.00 (+17.34%) Homeowner's exemption	$57,945 (+34.09%) Land $20,135 Building $37,810	$165,560 (+34.1%) Land $57,530 Building $108,030
2022	$2,826.00 Homeowner's exemption	$43,212 Land $10,812 Building $32,400
2020			$123,460 Land $30,890 Building $92,570

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
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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