915 3rd St, Cincinnati, OH 45215 Property Records

Hamilton County property record for 915 3rd St, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,941 sqft · built 1880
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$207,500 (Jun 2026)
Tax Bill	$2,895 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`671-0007-0313-00`

Property Details

APN / Parcel Number

Primary APN	`671-0007-0313-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,941 sqft Living Area
Gross Area	3,165 sqft
1st Floor Area	1,224 sqft
2nd Floor Area	717 sqft
Upper Floors Area	717 sqft
Basement Area	1,224 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,318 sqft (0.168 acres)
Lot Dimensions	148 ft deep x 50 ft wide
Porch	Open Frame Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	915 3RD ST
City	CINCINNATI
State	OH
Zip	45215-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	915 3RD ST 50 X 148 LOT 113 PT 78 OLIVER 2ND SUB
Legal Subdivision	OLIVER 2ND SUB
Legal Lot Number	113
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	2
Census Block	2011
Census Tract	23222

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	915 3RD ST, CINCINNATI, OH 45215-3818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · FHA Mortgage LCNB NATIONAL BANK
Oct 19, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 18, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 27, 2025	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Apr 1, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	May 27, 2025 · Amount on Record
Deed Document Number	202644166
Deed Book / Page	15681 / 43
Prior Transfer Date	Jul 28, 2011
Prior Transfer Doc	0000000252
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 5, 2026
Property Address	915 3RD ST, CINCINNATI, OH 45215-3818
Document Number	0000044166
Book / Page	15681 / 43
Instrument Date	May 20, 2026
Instrument	202644166
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$41,915.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	915 3RD ST, CINCINNATI, OH 45215-3818

Mortgage

Document Number	0000044167,
Date	Jun 5, 2026
Instrument	202644167

Lender

Name	LCNB NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Mortgage

Document Number	0000044168,
Date	Jun 5, 2026
Book Page	15681/63
Instrument	202644168

Lender

Name	OHIO HOUSING FINANCE AGENCY

Agreement

Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	915 3RD ST, CINCINNATI, OH 45215-3818
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 3RD ST, CINCINNATI, OH 45215-3818

Mortgage

Document Number	0000074671
Date	Oct 19, 2023
Book Page	15025/928
Instrument	2023-0074671

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Apr 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	915 3RD ST, CINCINNATI, OH 45215-3818
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 3RD ST, CINCINNATI, OH 45215-3818

Mortgage

Document Number	0000049925
Date	May 18, 2022
Book Page	14670/2413
Instrument	2022-0049925

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Apr 1, 2050

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 27, 2025
Property Address	915 3RD ST, CINCINNATI, OH 45215-3818
Document Number	0000038934
Book / Page	15424 / 2366
Map Reference	MB 1 PG 256&257
Instrument Date	May 15, 2025
Instrument	2025-0038934
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 3RD ST, CINCINNATI, OH 45215-3818

Mortgage

Document Number	0000038935
Date	May 27, 2025
Instrument	2025-0038935

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Mortgage

Document Number	0000038936
Date	May 27, 2025
Book Page	15424/2390
Instrument	2025-0038936

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 1, 2020
Property Address	915 3RD ST, CINCINNATI, OH 45215-3818
Document Number	0000030784
Book / Page	014137 / 001262
Instrument Date	Mar 20, 2020
Instrument	30784
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 3RD ST CINCINNATI OH 452153818, CINCINNATI, OH 45215-3818

Mortgage

Document Number	30785
Date	Apr 1, 2020
Book Page	014137/001265
Instrument	30785

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

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	$2,895.00 (+2.41%)	$54,618 (-) Land $10,101 Building $44,517	$156,050 (-) Land $28,860 Building $127,190
2024	$2,827.00 (-1.46%)	$54,618 (-) Land $10,101 Building $44,517
2023	$2,869.00 (-8.63%)	$54,618 (+17.91%) Land $10,101 Building $44,517	$156,050 (+17.92%) Land $28,860 Building $127,190
2022	$3,140.00 Homeowner's exemption	$46,320 Land $8,124 Building $38,196
2020			$132,340 Land $23,210 Building $109,130

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 at the parcel

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)
Cincinnati Bell 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 USA, Verizon.

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