1978 Garden Ln, Cincinnati, OH 45237 Property Records

Hamilton County property record for 1978 Garden Ln, Cincinnati, OH 45237

Property Summary

Property Type	Apartments (5+ Units)
Details	2,770 sqft · built 1931
Lot Size	0.139 acres (6,055 sqft)
Owner	Company Name on Record
Last Sale	$40,100 (Feb 2017)
Tax Bill	$4,372 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`119-0002-0272-00`

Property Details

APN / Parcel Number

Primary APN	`119-0002-0272-00`

Interior

Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,770 sqft

Exterior

Year Built	Built 1931
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	109 ft deep x 164 ft wide

Location & Zoning

Street Address	1978 GARDEN LN
City	CINCINNATI
State	OH
Zip	45237-6045
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	197 GARDEN LN 54.62 X 109.60 IRR LOT 82 SWISS GARDEN SUB
Legal Subdivision	SWISS GARDEN SUB
Legal Lot Number	82
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2008
Census Tract	6300

Owner

Source: Hamilton County records, as of February 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2864 PERTHWOOD DR, CINCINNATI, OH 45244-3539
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage FIRST GUARANTY BANK
Dec 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS DEPOSIT BANK
Dec 14, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS DEPOSIT BK
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS DEPOSIT BK
Dec 10, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS DEPOSIT BK
Feb 28, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	0000017959
Deed Book / Page	013363 / 000318
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044912
Date	May 4, 2022
Book Page	14660/1672
Instrument	2022-0044912

Lender

Name	FIRST GUARANTY BANK
Type	Bank
Address	VANCEBURG, KY 41179

Agreement

Amount	Amount Recorded
Term	300 Months
Due	May 3, 2047

Interest

Adjustable	Adjustable Rate Rider

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2864 PERTHWOOD DR, CINCINNATI, OH 45244-3539

Mortgage

Document Number	0200130996
Date	Dec 14, 2020
Book Page	14314/2229
Instrument	2020-0130996

Lender

Name	CITIZENS DEPOSIT BANK
Type	Bank
Address	CINCINNATI, OH 45244

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 25, 2040

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Document Number	0000109840
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2864 PERTHWOOD DR CINCINNATI OH 452443539, CINCINNATI, OH 45244-3539

Mortgage

Document Number	0000109840
Date	Dec 14, 2018
Book Page	013815/002207
Instrument	109840

Lender

Name	CITIZENS DEPOSIT BK
Type	Bank
Address	FORT WRIGHT, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 13, 2028

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Document Number	0000109835
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2864 PERTHWOOD DR CINCINNATI OH 452443539, CINCINNATI, OH 45244-3539

Mortgage

Document Number	0000109835
Date	Dec 14, 2018
Book Page	013815/002170
Instrument	109835

Lender

Name	CITIZENS DEPOSIT BK
Type	Bank
Address	FORT WRIGHT, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 13, 2028

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Document Number	0000111605
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2864 PERTHWOOD DR CINCINNATI OH 452443539, CINCINNATI, OH 45244-3539

Mortgage

Document Number	0000111605
Date	Dec 21, 2018
Book Page	013820/000754
Instrument	111605

Lender

Name	CITIZENS DEPOSIT BK
Type	Bank
Address	FORT WRIGHT, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 20, 2028

Interest

Rate Type	Adjustable Rate

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 28, 2017
Property Address	1978 GARDEN LN, CINCINNATI, OH 45237-6045
Document Number	0000017959
Book / Page	013363 / 000318
Instrument Date	Jan 31, 2017
Instrument	17959
Transaction Type	Foreclosure
Record Updated	Jul 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2864 PERTHWOOD DR CINCINNATI OH 452443539, CINCINNATI, OH 45244-3539

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

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	$4,372.00 (-1.6%)	$52,171 (-) Land $7,840 Building $44,331
2024	$4,443.00 (+2.56%)	$52,171 (-) Land $7,840 Building $44,331
2023	$4,332.00 (+28.2%)	$52,171 (+41.95%) Land $7,840 Building $44,331	$149,060 (+41.95%) Land $22,400 Building $126,660
2022	$3,379.00	$36,754 Land $7,494 Building $29,260
2020			$105,010 Land $21,410 Building $83,600

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

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	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 1,197 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
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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