816 3rd St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 816 3rd St, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,330 sqft · built 1926
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on Record
Last Sale	$140,500 (Jul 2017)
Tax Bill	$3,570 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`671-0007-0340-00`

Property Details

APN / Parcel Number

Primary APN	`671-0007-0340-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,330 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	850 sqft
2nd Floor Area	680 sqft
Upper Floors Area	680 sqft
Basement Area	1,050 sqft
Finished Basement	800 sqft
Unfinished Basement	250 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	240 sqft
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	816 3RD ST
City	CINCINNATI
State	OH
Zip	45215-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	816 3RD ST 50 X 110 LOT 126 OLIVER 2ND SUB
Legal Subdivision	OLIVER 2ND SUB
Legal Lot Number	126
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	2
Census Block	2013
Census Tract	23222

Owner

Source: Hamilton County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	816 3RD ST, CINCINNATI, OH 45215-4806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES FSB
Jul 10, 2017	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2017 · Amount on Record
Deed Sale	Jul 10, 2017 · Amount on Record
Prior Sale	Feb 23, 2017 · Amount on Record
Deed Document Number	201761302
Prior Transfer Date	Feb 28, 2001
Prior Transfer Doc	0000042074
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jul 2, 2026
Property Address	816 3RD ST, CINCINNATI, OH 45215-4806
Document Number	0000053365
Book / Page	15699 / 20
Instrument Date	Jun 18, 2026
Instrument	202653365
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 3RD ST, CINCINNATI, OH 45215-4806

Mortgage

Document Number	0000053365,
Date	Jul 2, 2026
Book Page	15699/20
Instrument	202653365

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	816 3RD ST, CINCINNATI, OH 45215-4806
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 3RD ST, CINCINNATI, OH 45215-4806

Mortgage

Document Number	0000008398
Date	Feb 4, 2026
Book Page	15596/219
Instrument	2026-0008398

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	816 3RD ST, CINCINNATI, OH 45215-4806
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128825
Date	Oct 22, 2021
Book Page	14529/2810
Instrument	2021-0128825

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	816 3RD ST, CINCINNATI, OH 45215-4806
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008514
Date	May 1, 2017
Book Page	13407/02299
Instrument	17-0038514

Lender

Name	PEOPLES FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2032

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 10, 2017
Property Address	816 3RD ST, CINCINNATI, OH 45215-4806
Document Number	0000001302
Map Reference	MB 1 PG 256
Instrument Date	Jun 23, 2017
Instrument	17-0061302
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$421.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 3RD ST, CINCINNATI, OH 45215-4806

Mortgage

Document Number	0000001303
Date	Jul 10, 2017
Instrument	17-0061303

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,570.00 (+2.35%)	$67,312 (-) Land $8,736 Building $58,576	$192,320 (-) Land $24,960 Building $167,360
2024	$3,488.00 (-1.44%)	$67,312 (-) Land $8,736 Building $58,576
2023	$3,539.00 (+6.09%)	$67,312 (+36.88%) Land $8,736 Building $58,576	$192,320 (+36.88%) Land $24,960 Building $167,360
2022	$3,336.00 Homeowner's exemption	$49,176 Land $7,025 Building $42,151
2020			$140,500 Land $20,070 Building $120,430

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	Low lower than 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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