3985 Watterson Rd, Cincinnati, OH 45227 Property Records

Hamilton County property record for 3985 Watterson Rd, Cincinnati, OH 45227

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 2 ba · 1,728 sqft · built 1928
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Nov 2002)
Tax Bill	$6,060 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`523-0006-0578-00`

Property Details

APN / Parcel Number

Primary APN	`523-0006-0578-00`
Alternative APN	`0084457`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	864 sqft
2nd Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Open Frame Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3985 WATTERSON RD
City	CINCINNATI
State	OH
Zip	45227-2969
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	3985 WATTERSON 58.50X150 LOT 578 PT 579 FAIRFAX SUB PAR 578-579 CON
Legal Subdivision	FAIRFAX SUB
Legal Lot Number	578
Jurisdiction	HAMILTON OH
Township / Civil Division	FAIRFAX
Census Block Group	1
Census Block	1003
Census Tract	24700

Owner

Source: Hamilton County records · APN 523-0006-0578-00

Assessment roll updated January 21, 2026 · Last verified August 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 File
Mailing Address	3985 WATTERSON RD, CINCINNATI, OH 45227-2969
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2002 · Amount on Record
Deed Sale	Nov 14, 2002 · Amount on Record
Deed Document Number	2002227067
Deed Book / Page	9083 / 1074
Last Transfer Date	Oct 17, 2024
Transfer Doc	0000074497
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Jul 16, 2021
Property Address	3985 WATTERSON RD, CINCINNATI, OH 45227-2969
Document Number	0000086608
Book / Page	14460 / 708
Map Reference	MB 20 PG 80&81
Instrument Date	Jun 07, 2021
Instrument	2021-0086608
Transaction Type	Transfer
Record Updated	Aug 25, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	3985 WATTERSON RD, CINCINNATI, OH 45227-2969

Mortgage

Document Number	0000086609
Date	Jul 16, 2021
Instrument	2021-0086609

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Fairfax Village
Unified School District	Mariemont City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,060.00 (+1.37%)	$80,305 (+%) Land $27,115 Building $53,190	$229,440 (-) Land $77,470 Building $151,970
2024	$5,978.00 (+8.28%)	$80,303 (-) Land $27,114 Building $53,189
2023	$5,521.00 (+65.6%)	$80,303 (+99.72%) Land $27,114 Building $53,189	$229,440 (+99.72%) Land $77,470 Building $151,970
2022	$3,334.00 Homeowner's exemption	$40,208 Land $14,560 Building $25,648
2020			$114,880 Land $41,600 Building $73,280

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), as of December 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390610247001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	70 (1979–2026)
Claims Outside the SFHA	16 of 70
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2001 · 16 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 575 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH3102612, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.