3907 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3907 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,066 sqft · built 1925
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on File
Last Sale	$333,300 (Dec 2024)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`523-0006-0143-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0143-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	720 sqft
Attic	Attic
Attic Area	346 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
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	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3907 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-3545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3907 WASHINGTON AVE 40 X 125 FT LOT 143 FAIRFAX SUB
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	143
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1008
Census Tract	24700

Owner

3907 Watterson Rd is owned and occupied by an individual who bought it in December 2024.

Source: Hamilton County records, as of March 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3907 WATTERSON RD, CINCINNATI, OH 45227-3545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage LCNB NATIONAL BANK
Apr 6, 2023	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2024 · Amount on File
Deed Sale	Dec 11, 2024 · Amount on File
Prior Sale	Apr 6, 2023 · Amount on File
Deed Document Number	202488208
Deed Book / Page	15310 / 800
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3907 WATTERSON RD, CINCINNATI, OH 45227-3545
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 WATTERSON RD, CINCINNATI, OH 45227-3545

Mortgage

Document Number	0000011665
Date	Feb 17, 2026
Book Page	15604/2275
Instrument	2026-0011665

Lender

Name	LCNB NATIONAL BANK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 6, 2023
Property Address	3907 WATTERSON RD, CINCINNATI, OH 45227-3545
Document Number	0000023019
Book / Page	14889 / 383
Map Reference	MB 20 PG 80&81
Instrument Date	Mar 14, 2023
Instrument	2023-0023019
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 STATON AVE, TERRACE PARK, OH 45174-1243

Mortgage

Document Number	0000023020
Date	Apr 6, 2023
Instrument	2023-0023020

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2063

Tax Assessment & Valuation

The 2025 property tax bill for 3907 Watterson Rd was $3,675, down 2.5% from the year before.

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	$3,675.00 (-2.49%)	$49,001 (+%) Land $20,136 Building $28,865	$140,000 Land $57,530 Building $82,470
2024	$3,769.00 (-27.57%)	$49,000 (-35.93%) Land $20,135 Building $28,865
2023	$5,204.00 (+57.36%)	$76,474 (+90.03%) Land $20,135 Building $56,339	$140,000 Land $57,530 Building $82,470
2022	$3,307.00 Homeowner's exemption	$40,244 Land $10,812 Building $29,432
2020			$114,980 Land $30,890 Building $84,090

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3907 Watterson Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3907 Watterson Rd 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 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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