3970 Washington Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3970 Washington Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,378 sqft · built 1904
Lot Size	0.528 acres (23,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,900 (Jul 2021)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0002-0047-00`

Property Details

APN / Parcel Number

Primary APN	`551-0002-0047-00`
Alternative APN	`65591195`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,378 sqft Living Area
Gross Area	3,737 sqft
1st Floor Area	1,359 sqft
2nd Floor Area	1,019 sqft
Basement Area	1,359 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	23,000 sqft (0.528 acres)
Lot Dimensions	230 ft deep x 100 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	264 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3970 WASHINGTON AVE
City	CINCINNATI
State	OH
Zip	45211-3420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHINGTON AV 100 X 230.25 LOTS 20 & 21 J V FREONS SUB PARS 47-48 CON
Legal Subdivision	FREONS SUB
Legal Lot Number	20,21
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	5
Census Block	5002
Census Tract	20902

Owner

Source: Hamilton County records, as of May 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3970 WASHINGTON AVE, CINCINNATI, OH 45211-3420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jul 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Nov 18, 2005 · Amount on Record
Deed Document Number	202187223
Deed Book / Page	14461 / 859
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Apr 15, 2026
Property Address	3970 WASHINGTON AVE, CINCINNATI, OH 45211-3420
Document Number	0000028423
Book / Page	15645 / 1276
Instrument Date	Apr 3, 2026
Instrument	202628423
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 WASHINGTON AVE, CINCINNATI, OH 45211-3420

Mortgage

Document Number	0000028423,
Date	Apr 15, 2026
Book Page	15645/1276
Instrument	202628423

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2036

Interest

Rate	6%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 19, 2021
Property Address	3970 WASHINGTON AVE, CINCINNATI, OH 45211-3420
Document Number	0000087223
Book / Page	14461 / 859
Map Reference	MB 14 PG 30
Instrument Date	Jul 12, 2021
Instrument	2021-0087223
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$587.70
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	3970 WASHINGTON AVE, CINCINNATI, OH 45211-3420

Mortgage

Document Number	0000087224
Date	Jul 19, 2021
Instrument	2021-0087224

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,271.00 (+2.92%)	$68,566 (+%) Land $13,941 Building $54,625	$195,900 (-) Land $39,830 Building $156,070
2024	$4,150.00 (-2.03%)	$68,564 (-) Land $13,940 Building $54,624
2023	$4,236.00 (+21.17%)	$68,564 (+4%) Land $13,940 Building $54,624	$195,900 (+4%) Land $39,830 Building $156,070
2022	$3,496.00 Homeowner's exemption	$48,976 Land $12,068 Building $36,908
2020			$139,930 Land $34,480 Building $105,450

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	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 711 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

May also be available: T-Mobile, Verizon.

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