3944 Forest Ave, Cincinnati, OH 45212 Property Records

Hamilton County property record for 3944 Forest Ave, Cincinnati, OH 45212

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 3,188 sqft · built 1908
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Aug 2019)
Tax Bill	$6,118 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`651-0040-0027-00`

Property Details

APN / Parcel Number

Primary APN	`651-0040-0027-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,188 sqft Finished Area
1st Floor Area	1,299 sqft
2nd Floor Area	1,299 sqft
Attic	Attic
Attic Area	590 sqft
Basement Area	1,299 sqft

Exterior

Year Built	Built 1908
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3944 FOREST AVE
City	CINCINNATI
State	OH
Zip	45212-3931
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	3944 FOREST AVE 50 X 135 LOT 379 ELSMERE SUB
Legal Subdivision	ELSMERE SUB
Legal Lot Number	379
Jurisdiction	HAMILTON OH
Township / Civil Division	NORWOOD
Census Block Group	3
Census Block	3005
Census Tract	25402

Owner

Source: Hamilton County records, as of February 9, 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 Record
Mailing Address	3944 FOREST AVE, CINCINNATI, OH 45212-3931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage VALLEY CENTRAL BANK
Aug 6, 2019	Warranty Deed, Transfer · Conventional Mortgage VALLEY CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Mar 15, 2002 · Amount on Record
Deed Document Number	0000064406
Deed Book / Page	13974 / 01502
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3944 FOREST AVE, CINCINNATI, OH 45212-3931
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053631
Date	Apr 29, 2021
Book Page	14407/1893
Instrument	2021-0053631

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3944 FOREST AVE, CINCINNATI, OH 45212-3931
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	PRODIGY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006841
Date	Jan 15, 2021
Book Page	14335/34
Instrument	2021-0006841

Lender

Name	VALLEY CENTRAL BANK
Type	Bank
Address	CINCINNATI, OH 45215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 6, 2019
Property Address	3944 FOREST AVE, CINCINNATI, OH 45212-3931
Document Number	0000064406
Book / Page	13974 / 01502
Map Reference	MB 8 VOL 2 PG 35&36
Instrument Date	Jul 31, 2019
Instrument	2019-0064406
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	PRODIGY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$796.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3944 FOREST AVE, CINCINNATI, OH 45212-3931

Mortgage

Document Number	0000064407
Date	Aug 6, 2019
Instrument	2019-0064407

Lender

Name	VALLEY CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2024
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

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

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	$6,118.00 (+1.75%)	$117,089 (+%) Land $27,996 Building $89,093
2024	$6,013.00 (-1.8%)	$117,088 (-) Land $27,996 Building $89,092
2023	$6,123.00 (+41.18%)	$117,088 (+68.11%) Land $27,996 Building $89,092	$334,540 (+68.11%) Land $79,990 Building $254,550
2022	$4,337.00 Homeowner's exemption	$69,651 Land $12,695 Building $56,956
2020			$199,000 Land $36,270 Building $162,730

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

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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