1855 Gardner Rd, Hamilton, OH 45013 Property Records

Butler County property record for 1855 Gardner Rd, Hamilton, OH 45013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,348 sqft · built 1951
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$232,900 (Jan 2019)
Tax Bill	$2,504 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B1010-013.000-028`

Property Details

APN / Parcel Number

Primary APN	`B1010-013.000-028`
Alternative APNs	`0003700` `73690` `74242`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,348 sqft Living Area
Gross Area	924 sqft
1st Floor Area	924 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Patio Area	72 sqft
Pole Barn	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0003700
Old Parcel Number	B1010013.000028
Street Address	1855 GARDNER RD
City	HAMILTON
State	OH
Zip	45013-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4 13 E PT & SW 1/4
Jurisdiction	BUTLER OH
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4007
Census Tract	15000

Owner

Source: Butler County records, as of March 11, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1855 GARDNER RD, HAMILTON, OH 45013-1117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jan 8, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Oct 6, 2017	Deed of Trust, Mortgage KEMBA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2019 · Amount on Record
Deed Sale	Jan 8, 2019 · Amount on Record
Prior Sale	Nov 10, 2011 · Amount on Record
Deed Document Number	0000000846
Deed Book / Page	009247 / 000037
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1855 GARDNER RD, HAMILTON, OH 45013-1117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WATERSMEET

Mortgage

Document Number	0000000005
Date	Jan 2, 2020
Book Page	9385/0447
Instrument	2020-00000005

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1855 GARDNER RD, HAMILTON, OH 45013-1117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053073
Date	Nov 9, 2020
Book Page	9540/1919
Instrument	2020-00053073

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jan 8, 2019
Property Address	1855 GARDNER RD, HAMILTON, OH 45013-1117
Document Number	0000000846
Book / Page	009247 / 000037
Instrument Date	Nov 20, 2018
Instrument	846
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$698.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 GARDNER RD HAMILTON OH 450131117, HAMILTON, OH 45013-1117

Mortgage

Document Number	847
Date	Jan 8, 2019
Book Page	009247/000040
Instrument	847

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1855 GARDNER RD, HAMILTON, OH 45013-1117
Document Number	0000041372
Book / Page	009091 / 001520
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017
Title Company	SAFETITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 GARDNER RD HAMILTON OH 450131117, HAMILTON, OH 45013-1117

Mortgage

Document Number	0000041372
Date	Oct 18, 2017
Book Page	009091/001520
Instrument	41372

Lender

Name	KEMBA CU
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2032

Tax Assessment & Valuation

Source: Butler County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
County Subdivision	Hanover Township
Unified School District	Talawanda City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,504.00 (+1.83%)	$69,290 (-) Land $25,200 Building $44,090	$197,960 (-) Land $72,000 Building $125,960
2023	$2,459.00 (+16.37%)	$69,290 (+30.86%) Land $25,200 Building $44,090	$197,960 (+30.85%) Land $72,000 Building $125,960
2022	$2,113.00	$52,950 Land $25,200 Building $27,750
2020			$151,290 Land $72,000 Building $79,290

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 May 31, 2026

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	SOUTHWEST REGIONAL WATER DISTRICT public/private · serves 42,856 people · EPA ID OH0903912
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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