3908 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3908 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,832 sqft · built 1925
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jul 2025)
Tax Bill	$5,479 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`523-0006-0210-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0210-00`
Alternative APN	`0015114`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	768 sqft
2nd Floor Area	614 sqft
Upper Floors Area	614 sqft
Basement Area	768 sqft
Finished Basement	450 sqft
Unfinished Basement	318 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	4,966 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
Porch	Open Frame Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3908 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3908 WATTERSON AV 40 X 125 LOT 210 FAIRFAX SUB
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	210
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1006
Census Tract	24700

Owner

Source: Hamilton County records, as of April 28, 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	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 25, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jan 20, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on Record
Deed Sale	Jul 22, 2025 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	202554499
Deed Book / Page	15462 / 1290
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3908 WATTERSON RD, CINCINNATI, OH 45227-3501
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 WATTERSON RD, CINCINNATI, OH 45227-3501

Mortgage

Document Number	0000020238
Date	Mar 18, 2026
Book Page	15625/2324
Instrument	2026-0020238

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 25, 2021
Property Address	3908 WATTERSON RD, CINCINNATI, OH 45227-3501
Document Number	0000064716
Book / Page	14425 / 1059
Map Reference	MB 20 PG 80&81
Instrument Date	May 12, 2021
Instrument	2021-0064716
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
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	3908 WATTERSON RD, CINCINNATI, OH 45227-3501

Mortgage

Document Number	0000064717
Date	May 25, 2021
Instrument	2021-0064717

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 20, 2017
Property Address	3908 WATTERSON RD, CINCINNATI, OH 45227-3501
Document Number	0000006002
Map Reference	PB 20 PG 80-81
Instrument Date	Dec 30, 2016
Instrument	17-0006002
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PARKWAY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.00
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	3908 WATTERSON RD, CINCINNATI, OH 45227-3501

Mortgage

Document Number	0000006003
Date	Jan 20, 2017
Instrument	17-0006003

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$5,479.00 (+2.11%)	$73,151 (+%) Land $20,136 Building $53,015	$209,000 (-) Land $57,530 Building $151,470
2024	$5,366.00 (+7.84%)	$73,149 (-) Land $20,135 Building $53,014
2023	$4,976.00 (+2.87%)	$73,149 (+24.13%) Land $20,135 Building $53,014	$209,000 (+24.13%) Land $57,530 Building $151,470
2022	$4,837.00 Homeowner's exemption	$58,930 Land $10,273 Building $48,657
2020			$168,370 Land $29,350 Building $139,020

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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