3946 N Cliff Ln, Cincinnati, OH 45220 Property Records

Hamilton County property record for 3946 N Cliff Ln, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,122 sqft · built 1937
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on File
Tax Bill	$12,405 (2025)
Deeds & Mortgages	Sep 2025 Transfer Feb 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`218-0060-0030-00`

Property Details

APN / Parcel Number

Primary APN	`218-0060-0030-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,122 sqft Living Area
1st Floor Area	1,541 sqft
2nd Floor Area	1,581 sqft
Upper Floors Area	1,581 sqft
Attic Area	142 sqft
Basement Area	1,227 sqft
Finished Basement	1,107 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	131 ft deep x 158 ft wide
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	474 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3946 N CLIFF LN
City	CINCINNATI
State	OH
Zip	45220-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E CLIFF LN 163.55 X 131.62 IRR PT LOT 10 CLIFTON FARM SUB
Legal Subdivision	CLIFTON FARM SUB
Legal Lot Number	10
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	7100

Owner

3946 N Cliff Ln is owned and occupied by an individual who acquired it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Transfer on Death Deed, Transfer
Feb 9, 2024	Intrafamily Transfer, Transfer
Apr 15, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 14, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Aug 6, 2008 · Amount on File
Last Transfer Date	Feb 9, 2024
Transfer Doc	0000009010
Record Updated	Jun 8, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 30, 2025
Property Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009
Document Number	0000075761
Book / Page	15511 / 2483
Map Reference	MB 15100 PG 00605
Instrument Date	Sep 30, 2025
Instrument	2025-0075761
Transaction Type	Transfer
Record Updated	Oct 21, 2025

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
Relationship	Revocable Trust

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Feb 9, 2024
Property Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009
Document Number	0000009010
Book / Page	15100 / 605
Instrument Date	Feb 9, 2024
Instrument	2024-0009010
Transaction Type	Transfer
Record Updated	Apr 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009

Mortgage

Document Number	0000038448
Date	Apr 15, 2022
Book Page	14647/457
Instrument	2022-0038448

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 14, 2021
Property Address	3946 N CLIFF LN, CINCINNATI, OH 45220-1009
Document Number	0000046423
Book / Page	14396 / 606
Instrument Date	Mar 25, 2021
Instrument	2021-0046423
Transaction Type	Transfer
Record Updated	May 25, 2021

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

Tax Assessment & Valuation

The 2025 property tax bill for 3946 N Cliff Ln was $12,405, up 3.1% from the year before.

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	$12,405.00 (+3.14%)	$201,912 (-) Land $51,058 Building $150,854
2024	$12,027.00 (-2.21%)	$201,912 (-) Land $51,058 Building $150,854
2023	$12,299.00 (+4.11%)	$201,912 (+16.06%) Land $51,058 Building $150,854	$576,890 Land $145,880 Building $431,010
2022	$11,814.00 Homeowner's exemption	$173,965 Land $45,679 Building $128,286
2020			$497,040 Land $130,510 Building $366,530

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

Flood

FEMA maps place 3946 N Cliff Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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

Wildfire risk around 3946 N Cliff Ln is low, with less than a 0.01% annual chance of 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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