4130 31st Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 4130 31st Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,378 sqft · built 1915
Lot Size	0.128 acres (5,576 sqft)
Owner	Individual Name on File
Last Sale	$388,000 (Aug 2025)
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049-0004-0073-00`

Property Details

APN / Parcel Number

Primary APN	`049-0004-0073-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,378 sqft Living Area
1st Floor Area	725 sqft
2nd Floor Area	653 sqft
Upper Floors Area	653 sqft
Basement Area	725 sqft

Exterior

Year Built	Built 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Porch	Porch
Porch Area	175 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4130 31ST AVE
City	CINCINNATI
State	OH
Zip	45209-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THIRTY FIRST AVE 40X140 LOT 278 THE OAKLEY SUB
Legal Subdivision	THE OAKLEY SUB
Legal Lot Number	278
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1009
Census Tract	5200

Owner

4130 31st Ave is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4130 31ST AVE, CINCINNATI, OH 45209-1615
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
Aug 25, 2025	Warranty Deed, Transfer · Conventional Mortgage WARSAW FSLA
Apr 12, 2023	Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU
Sep 3, 2019	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Aug 30, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on File
Deed Sale	Aug 25, 2025 · Amount on File
Prior Sale	Apr 12, 2023 · Amount on File
Deed Document Number	0000064659
Deed Book / Page	15486 / 2441
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 25, 2025
Property Address	4130 31ST AVE, CINCINNATI, OH 45209-1615
Document Number	0000064659
Book / Page	15486 / 2441
Map Reference	MB 17 PG 29
Instrument Date	Aug 19, 2025
Instrument	2025-0064659
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 31ST AVE, CINCINNATI, OH 45209-1615

Mortgage

Document Number	0000064660
Date	Aug 25, 2025
Instrument	2025-0064660

Lender

Name	WARSAW FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 12, 2023
Property Address	4130 31ST AVE, CINCINNATI, OH 45209-1615
Document Number	0000024418
Book / Page	14893 / 871
Map Reference	MB 17 PG 29
Instrument Date	Apr 7, 2023
Instrument	2023-0024418
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	UNKNOWN, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4130 31ST AVE, CINCINNATI, OH 45209-1615

Mortgage

Document Number	0000024419
Date	Apr 12, 2023
Instrument	2023-0024419

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.11%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	3.11%
Max Rate At Change	7.11%
Index	1-Year T-Bill
Margin	3
Max Rate	11.1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4130 31ST AVE, CINCINNATI, OH 45209-1615
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074249
Date	Sep 3, 2019
Book Page	13993/02313
Instrument	2019-0074249

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 30, 2019
Property Address	4130 31ST AVE, CINCINNATI, OH 45209-1615
Document Number	0000073583
Book / Page	013992 / 001784
Instrument Date	Aug 28, 2019
Instrument	73583
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 31ST AVE CINCINNATI OH 452091615, CINCINNATI, OH 45209-1615

Mortgage

Document Number	73584
Date	Aug 30, 2019
Book Page	013992/001786
Instrument	73584

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4130 31st Ave was $6,504, 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	$6,504.00 (+3.14%)	$105,655 (-) Land $38,798 Building $66,857
2024	$6,306.00 (-2.22%)	$105,655 (-) Land $38,798 Building $66,857
2023	$6,449.00 (-8.19%)	$105,655 (+2.33%) Land $38,798 Building $66,857	$301,870 Land $110,850 Building $191,020
2022	$7,024.00 Homeowner's exemption	$103,251 Land $23,272 Building $79,979
2020			$295,000 Land $66,490 Building $228,510

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

FEMA maps place 4130 31st 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.

Wildfire

The area around 4130 31st 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.

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 528 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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