Hamilton County property record for 3965 Lowry Ave, Cincinnati, OH 45229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,606 sqft · built 1916 |
| Lot Size | 0.173 acres (7,536 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Nov 2021) |
| Tax Bill | $3,888 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 115-0003-0037-00 |
| Primary APN | 115-0003-0037-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,606 sqft Living Area |
| Gross Area | 3,762 sqft |
| 1st Floor Area | 1,156 sqft |
| 2nd Floor Area | 980 sqft |
| Attic | Attic |
| Attic Area | 470 sqft |
| Basement Area | 1,156 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 7,536 sqft (0.173 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 280 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3965 LOWRY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45229-1309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 3965 LOWRY AVE 50 X 150 WS LOWRY 450 FT S OF |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 6502 |
Source: Hamilton County records, as of October 21, 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 |
|---|---|
| Mailing Address | 3965 LOWRY AVE, CINCINNATI, OH 45229-1309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Nov 5, 2021 | Warranty Deed, Construction Loan · Construction Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on Record |
| Deed Sale | Nov 5, 2021 · Amount on Record |
| Prior Sale | Aug 3, 2004 · Amount on Record |
| Deed Document Number | 2021134939 |
| Deed Book / Page | 14539 / 3363 |
| Last Transfer Date | Apr 11, 2024 |
| Transfer Doc | 0000023655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 16, 2026 |
| Property Address | 3965 LOWRY AVE, CINCINNATI, OH 45229-1309 |
| Document Number | 0000076632 |
| Book / Page | 15751 / 1659 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202676632 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3965 LOWRY AVE, CINCINNATI, OH 45229-1309 |
| Document Number | 0000076632, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 15751/1659 |
| Instrument | 202676632 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 5, 2021 |
| Property Address | 3965 LOWRY AVE, CINCINNATI, OH 45229-1309 |
| Document Number | 0000134939 |
| Book / Page | 14539 / 3363 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 2021-0134939 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3965 LOWRY AVE, CINCINNATI, OH 45229-1309 |
| Document Number | 0000134940 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021-0134940 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,888.00 (+3.08%) | $63,001 (+%) Land $15,488 Building $47,513 | $180,000 (-) Land $44,250 Building $135,750 |
| 2024 | $3,772.00 (-2.15%) | $62,999 (-) Land $15,487 Building $47,512 | |
| 2023 | $3,855.00 (+12.26%) | $62,999 (+25.2%) Land $15,487 Building $47,512 | $180,000 (+25.21%) Land $44,250 Building $135,750 |
| 2022 | $3,434.00 Homeowner's exemption | $50,317 Land $10,945 Building $39,372 | |
| 2020 | $143,760 Land $31,270 Building $112,490 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 808 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 |
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