3909 Elsmere Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3909 Elsmere Ave, Cincinnati, OH 45212

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,786 sqft · built 1909
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$441,000 (May 2023)
Tax Bill	$3,773 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`651-0039-0188-00`

Property Details

APN / Parcel Number

Primary APN	`651-0039-0188-00`
Alternative APN	`0011251`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,786 sqft Living Area
Gross Area	2,506 sqft
1st Floor Area	720 sqft
2nd Floor Area	720 sqft
Attic	Attic
Attic Area	346 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	110 ft deep x 37 ft wide
Porch	Open Frame Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3909 ELSMERE AVE
City	CINCINNATI
State	OH
Zip	45212-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMX
Legal Description	3909 ELSMERE AVE 37 X 110 IRRPTS LOTS 101-104 ELSMERE SUB
Legal Subdivision	ELSMERE SUB
Legal Lot Number	101-1
Jurisdiction	HAMILTON OH
Township / Civil Division	NORWOOD
Census Block Group	2
Census Block	2003
Census Tract	25600

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	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE AFFINITY LLC
May 9, 2023	Warranty Deed, Transfer LAWYERS TITLE
Sep 1, 2022	Sheriff's Deed, Foreclosure Foreclosure Auction
Sep 4, 2018	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2023 · Amount on Record
Deed Sale	May 9, 2023 · Amount on Record
Prior Sale	Sep 1, 2022 · Amount on Record
Deed Document Number	202330905
Deed Book / Page	14912 / 1420
Prior Transfer Date	May 16, 2005
Prior Transfer Doc	0000093911
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821

Mortgage

Document Number	0000040448
Date	Jun 14, 2023
Book Page	14937/284
Instrument	2023-0040448

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 9, 2023
Property Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821
Document Number	0000030905
Book / Page	14912 / 1420
Map Reference	MB 8 VOL 2 PG 35&36
Instrument Date	May 2, 2023
Instrument	2023-0030905
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Tax	$441.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821

September 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 1, 2022
Property Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821
Document Number	0000084516
Book / Page	14743 / 1490
Map Reference	MB 8 VOL 2 PG 35&36
Instrument Date	Aug 25, 2022
Instrument	2022-0084516
Transaction Type	Foreclosure
Record Updated	Oct 26, 2022

Transaction

Amount	Amount Recorded
Tax	$611.70
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	858 MIAMI RIDGE DR, LOVELAND, OH 45140-8100

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3909 ELSMERE AVE, CINCINNATI, OH 45212-3821
Document Number	0000093547
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 ELSMERE AVE NORWOOD OH 452123821, NORWOOD, OH 45212-3821

Mortgage

Document Number	0000093547
Date	Oct 22, 2018
Book Page	013779/000551
Instrument	93547

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,773.00 (+2.97%)	$154,350 (-) Land $21,196 Building $133,154	$441,000 (-) Land $60,560 Building $380,440
2024	$3,664.00 (-6.27%)	$154,350 (+111.6%) Land $21,196 Building $133,154
2023	$3,909.00 (+5.02%)	$72,944 (+23.39%) Land $21,196 Building $51,748	$441,000 (+161.1%) Land $60,560 Building $380,440
2022	$3,722.00 Homeowner's exemption	$59,115 Land $9,611 Building $49,504
2020			$168,900 Land $27,460 Building $141,440

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	NORWOOD CITY PWS serves 19,870 people · EPA ID OH3101703
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Jun 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 841 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	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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