3916 Florence Ave, Cincinnati, OH 45248 Property Records

Hamilton County property record for 3916 Florence Ave, Cincinnati, OH 45248

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1951
Lot Size	0.176 acres (7,710 sqft)
Owner	Company Name on Record
Tax Bill	$2,475 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550-0121-0019-00`

Property Details

APN / Parcel Number

Primary APN	`550-0121-0019-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Finished Basement	362 sqft

Exterior

Year Built	Built 1951
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	7,710 sqft (0.176 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3916 FLORENCE AVE
City	CINCINNATI
State	OH
Zip	45248-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLORENCE AVE 50 X 150 PT LOT 6 J WALTZ EST
Legal Subdivision	J WALTZ ESTATE
Legal Lot Number	6
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	2
Census Block	2001
Census Tract	21001

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	Company Name on Record
Mailing Address	6234 CENTRE PARK DR STE C, C, WEST CHESTER, OH 45069-3993
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2024	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY SAVINGS BANK
Feb 8, 2019	Warranty Deed, Transfer · ARM COMMUNITY SAVINGS BANK
Jan 4, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2019
Deed Sale	Feb 8, 2019
Prior Sale	Jan 4, 2019 · Amount on Record
Deed Document Number	0000010203
Deed Book / Page	13851 / 00308
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3916 FLORENCE AVE, CINCINNATI, OH 45248-3237
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8066 STARTINGGATE LN, CINCINNATI, OH 45249-1272

Mortgage

Document Number	0000003037
Date	Jan 16, 2024
Book Page	15082/803
Instrument	2024-0003037

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank
Address	BETHEL, OH 45106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Margin	3
Max Rate	12%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 8, 2019
Property Address	3916 FLORENCE AVE, CINCINNATI, OH 45248-3237
Document Number	0000010203
Book / Page	13851 / 00308
Instrument Date	Feb 6, 2019
Instrument	2019-0010203
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	CAMBRIDGE LAND TITLE AGCY IN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6234 CENTRE PARK DR STE C, C, WEST CHESTER, OH 45069-3993

Mortgage

Document Number	0000010204
Date	Feb 8, 2019
Instrument	2019-0010204

Lender

Name	COMMUNITY SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	6.42%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.62%
Index	1-Year CMT
Margin	3
Max Rate	10.6%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 4, 2019
Property Address	3916 FLORENCE AVE, CINCINNATI, OH 45248-3237
Document Number	0000001123
Book / Page	013827 / 000757
Instrument Date	Dec 29, 2018
Instrument	1123
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$255.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6234 CENTRE PARK DR #C WEST CHESTER OH 450693993, C, WEST CHESTER, OH 45069-3993

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,475.00 (-0.24%)	$46,249 (-) Land $9,275 Building $36,974
2024	$2,481.00 (+1.72%)	$46,249 (-) Land $9,275 Building $36,974
2023	$2,439.00 (+32.05%)	$46,249 (+55.46%) Land $9,275 Building $36,974	$132,140 (+55.46%) Land $26,500 Building $105,640
2022	$1,847.00	$29,750 Land $8,330 Building $21,420
2020			$85,000 Land $23,800 Building $61,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	1 in force
Nearby Flood Claims	3 (1978–1979)
Most Recent Claim	Feb 1979 · tidal / storm surge

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 414 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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