3909 Middleton Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 3909 Middleton Ave, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,132 sqft · built 1972
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Oct 2018)
Tax Bill	$11,627 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`218-0059-0161-00`

Property Details

APN / Parcel Number

Primary APN	`218-0059-0161-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,132 sqft Living Area
1st Floor Area	1,622 sqft
2nd Floor Area	1,510 sqft
Basement Area	1,510 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	188 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	162 sqft
Patio Area	515 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3909 MIDDLETON AVE
City	CINCINNATI
State	OH
Zip	45220-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIDDLETON CT 90 X 188.95 IRR LOT 17 MIDDLETON ESTATES
Legal Subdivision	MIDDLETON ESTATES
Legal Lot Number	17
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	7100

Owner

Source: Hamilton County records, as of February 9, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3909 MIDDLETON AVE, CINCINNATI, OH 45220-1128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Oct 26, 2018	Survivorship Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP
Jun 12, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	0000095332
Deed Book / Page	13783 / 330
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3909 MIDDLETON AVE, CINCINNATI, OH 45220-1128
Document Number	0000093937
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3909 MIDDLETON AVE CINCINNATI OH 452201128, CINCINNATI, OH 45220-1128

Mortgage

Document Number	0000093937
Date	Oct 29, 2019
Book Page	014033/000444
Instrument	93937

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2029

October 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 26, 2018
Property Address	3909 MIDDLETON AVE, CINCINNATI, OH 45220-1128
Document Number	0000095332
Book / Page	13783 / 330
Map Reference	MB 135 PG 39&40
Instrument Date	Oct 16, 2018
Instrument	2018-0095332
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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	3909 MIDDLETON AVE, CINCINNATI, OH 45220-1128

Mortgage

Document Number	0000095334
Date	Oct 26, 2018
Instrument	2018-0095334

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3909 MIDDLETON AVE, CINCINNATI, OH 45220-1128
Document Number	0000055121
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 MIDDLETON AVE CINCINNATI OH 452201128, CINCINNATI, OH 45220-1128

Mortgage

Document Number	0000055121
Date	Jun 27, 2018
Book Page	013698/001296
Instrument	55121

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,627.00 (+3.13%)	$188,790 (-) Land $44,716 Building $144,074
2024	$11,274.00 (-2.21%)	$188,790 (-) Land $44,716 Building $144,074
2023	$11,529.00 (-12%)	$188,790 (-1.93%) Land $44,716 Building $144,074	$539,400 (-1.93%) Land $127,760 Building $411,640
2022	$13,101.00 Homeowner's exemption	$192,501 Land $40,009 Building $152,492
2020			$550,000 Land $114,310 Building $435,690

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1978–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2015 · other causes

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 97% of the US · lower than 85% 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 95 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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