Hamilton County property record for 4115 Elsmere Ave, Cincinnati, OH 45212
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,453 sqft · built 1915 |
| Lot Size | 0.069 acres (3,006 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,331 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 651-0033-0038-00 |
| Primary APN | 651-0033-0038-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,453 sqft Living Area |
| Gross Area | 2,204 sqft |
| 1st Floor Area | 751 sqft |
| 2nd Floor Area | 702 sqft |
| Basement Area | 751 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 3,006 sqft (0.069 acres) |
| Lot Dimensions | 75 ft deep x 37.9 ft wide |
| Porch | Open Frame Porch |
| Porch Area | 253 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 4115 ELSMERE AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45212-3607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMX |
| Legal Description | 4115 ELSMERE AVE 37.94 X 75 IRR WS ELSMERE 100 FT S OF CAMERON |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | NORWOOD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 25600 |
4115 Elsmere Ave is owned and occupied by an individual who acquired it in August 2025.
Source: Hamilton County records, as of May 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4115 ELSMERE AVE, CINCINNATI, OH 45212-3607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SBCC INC |
| Apr 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2025 |
| Deed Sale | Aug 26, 2025 |
| Prior Sale | Jul 7, 2006 · Amount on File |
| Deed Document Number | 202565149 |
| Deed Book / Page | 15487 / 1638 |
| Prior Transfer Date | Jul 3, 2025 |
| Prior Transfer Doc | 0000065149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 4115 ELSMERE AVE, CINCINNATI, OH 45212-3607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3759 MONTGOMERY RD, NORWOOD, OH 45212-3738 |
| Document Number | 0000000005 |
|---|---|
| Date | Jan 3, 2022 |
| Book Page | 14575/28 |
| Instrument | 2022-0000005 |
| Name | SBCC INC |
|---|---|
| Type | Non-Lending Institution |
| Address | LEXINGTON, KY 40513 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 1, 2026 |
| Property Address | 4115 ELSMERE AVE, CINCINNATI, OH 45212-3607 |
| Document Number | 0000024293 |
| Book / Page | 15635 / 1349 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202624293 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4115 ELSMERE AVE, CINCINNATI, OH 45212-3607 |
| Document Number | 0000024293, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 15635/1349 |
| Instrument | 202624293 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 4115 Elsmere Ave was $3,331, up 3% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Norwood City |
| Unified School District | Norwood City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,331.00 (+2.97%) | $64,491 (-) Land $17,549 Building $46,942 | $184,260 Land $50,140 Building $134,120 |
| 2024 | $3,235.00 (-2.62%) | $64,491 (-) Land $17,549 Building $46,942 | |
| 2023 | $3,322.00 (+17.84%) | $64,491 (+40.33%) Land $17,549 Building $46,942 | $184,260 Land $50,140 Building $134,120 |
| 2022 | $2,819.00 Homeowner's exemption | $45,956 Land $7,956 Building $38,000 | |
| 2020 | $131,300 Land $22,730 Building $108,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4115 Elsmere Ave in Zone X, an area of minimal flood risk.
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.
The area around 4115 Elsmere Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 | 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 |
| 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.
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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