4314 31st Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 4314 31st Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,296 sqft · built 1915
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Tax Bill	$5,300 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-0004-0062-00`

Property Details

APN / Parcel Number

Primary APN	`049-0004-0062-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	720 sqft
2nd Floor Area	576 sqft
Upper Floors Area	576 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,619 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4314 31ST AVE
City	CINCINNATI
State	OH
Zip	45209-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF4
Legal Description	4314 31ST AVE 40 X 140 LOT 289 THE OAKLEY PK SUB
Legal Subdivision	THE OAKLEY PK SUB
Legal Lot Number	289
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1009
Census Tract	5200

Owner

4314 31st Ave is owned and occupied by an individual who acquired it in October 2005.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	4314 31ST AVE, CINCINNATI, OH 45209-1619
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
Dec 2, 2025	Warranty Deed, Transfer · Conventional Mortgage GREATER CINCINNATI CU INC
Sep 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 7, 2005
Transfer Doc	0000000318
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 2, 2025
Property Address	4314 FOREST AVE # 30, 30, CINCINNATI, OH 45212-3327
Document Number	0000093944
Book / Page	15553 / 1310
Map Reference	MB 17 PG 29
Instrument Date	Nov 6, 2025
Instrument	2025-0093944
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	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	4314 FOREST AVE # 30, 30, CINCINNATI, OH 45212-3327

Mortgage

Document Number	0000093945
Date	Dec 2, 2025
Book Page	15553/1312
Instrument	2025-0093945

Lender

Name	GREATER CINCINNATI CU INC
Type	Credit Union
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4314 FOREST AVE # 30, 30, CINCINNATI, OH 45212-3327
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1338 SUNCREST DR, CINCINNATI, OH 45208-2513

Mortgage

Document Number	0000066773
Date	Sep 2, 2025
Book Page	15491/248
Instrument	2025-0066773

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Max Rate	13.2%

Tax Assessment & Valuation

The 2025 property tax bill for 4314 31st Ave was $5,300, up 2.9% from the year before.

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

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	$5,300.00 (+2.93%)	$85,919 (+%) Land $38,798 Building $47,121	$245,480 Land $110,850 Building $134,630
2024	$5,149.00 (-2.07%)	$85,917 (-) Land $38,797 Building $47,120
2023	$5,258.00 (+3%)	$85,917 (+14.76%) Land $38,797 Building $47,120	$245,480 Land $110,850 Building $134,630
2022	$5,105.00 Homeowner's exemption	$74,866 Land $23,272 Building $51,594
2020			$213,900 Land $66,490 Building $147,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4314 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 4314 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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