1903 Gardner Rd, Hamilton, OH 45013 Property Records

Butler County property record for 1903 Gardner Rd, Hamilton, OH 45013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1985
Lot Size	9.63 acres (419,831 sqft)
Owner	Individual Name on Record
Last Sale	$271,000 (Apr 2021)
Tax Bill	$4,073 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B1010-013.000-032`

Property Details

APN / Parcel Number

Primary APN	`B1010-013.000-032`
Alternative APNs	`0004200` `136054` `137212`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
Gross Area	824 sqft
1st Floor Area	824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Ranch
Exterior Material	Combination
Lot Area	419,831 sqft (9.63 acres)
Terrain	Below Road/Slope
Garage Type	Basement
Garage Area	868 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	120 sqft
Pole Barn	350 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0004200
Old Parcel Number	B1010013.000032
Street Address	1903 GARDNER RD
City	HAMILTON
State	OH
Zip	45013-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 4 13 E & W PT SW 1/4 CONS W/ 013-030,031,091
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
Co-owner	Co-owner on Record
Mailing Address	1903 GARDNER RD, HAMILTON, OH 45013-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage MCKINLEY MORTGAGE LLC
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Oct 25, 2011
Deed Document Number	0000024912
Deed Book / Page	9642 / 735
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Apr 29, 2021
Property Address	1903 GARDNER RD, HAMILTON, OH 45013-1119
Document Number	0000024912
Book / Page	9642 / 735
Instrument Date	Mar 8, 2021
Instrument	2021-00024912
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	RIVER TOWN TITLE, RIVERTOWNE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Relationship	Right of Survivorship
Address	1903 GARDNER RD, HAMILTON, OH 45013-1119

Mortgage

Document Number	0009642743
Date	Apr 29, 2021
Instrument	9642/743

Lender

Name	MCKINLEY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	1903 GARDNER RD, HAMILTON, OH 45013-1119
Document Number	0000007294
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 GARDNER RD HAMILTON OH 450131119, HAMILTON, OH 45013-1119

Mortgage

Document Number	0000007294
Date	Mar 6, 2019
Book Page	009263/000285
Instrument	7294

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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	$4,073.00 (+1.8%)	$112,570 (-) Land $38,190 Building $74,380	$321,610 (-) Land $109,110 Building $212,500
2023	$4,001.00 (+19.04%)	$112,570 (+33.6%) Land $38,190 Building $74,380	$321,610 (+33.59%) Land $109,110 Building $212,500
2022	$3,361.00	$84,260 Land $38,190 Building $46,070
2020			$240,740 Land $109,110 Building $131,630

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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