200 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 200 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,115 sqft · built 1942
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Tax Bill	$1,719 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0042-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0042-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,115 sqft Living Area
Gross Area	1,880 sqft
1st Floor Area	940 sqft
Basement Area	940 sqft
Finished Basement	175 sqft
Unfinished Basement	765 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	125 ft deep x 40.6 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	200 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 40.57 X 125 IRR R1-T4-S33 N E
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1002
Census Tract	23201

Owner

Source: Hamilton County records, 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	Individual Name on Record
Mailing Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2024	Deed of Trust, Mortgage · Line of Credit VALLEY CENTRAL BANK
Nov 23, 2021	Transfer on Death Deed, Transfer
Nov 9, 2021	Transfer on Death Deed, Transfer
Oct 29, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 22, 2021
Transfer Doc	0000141550
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092439
Date	Dec 27, 2024
Book Page	15321/219
Instrument	2024-0092439

Lender

Name	VALLEY CENTRAL BANK
Type	Bank
Address	CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 23, 2021
Property Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000141550
Book / Page	14550 / 2579
Instrument Date	Nov 22, 2021
Instrument	2021-0141550
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 9, 2021
Property Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000136074
Book / Page	14541 / 3202
Instrument Date	Nov 9, 2021
Instrument	2021-0136074
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Oct 29, 2021
Property Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000131699
Book / Page	14534 / 2307
Instrument Date	Oct 28, 2021
Instrument	2021-0131699
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 BERNARD AVE, CINCINNATI, OH 45215-3404

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	$1,719.00 (+2.26%)	$32,390 (+0.01%) Land $7,613 Building $24,777	$92,540 (-) Land $21,750 Building $70,790
2024	$1,681.00 (-1.41%)	$32,388 (-) Land $7,612 Building $24,776
2023	$1,705.00 (-7.59%)	$32,388 (+19.17%) Land $7,612 Building $24,776	$92,540 (+19.18%) Land $21,750 Building $70,790
2022	$1,845.00 Homeowner's exemption	$27,178 Land $6,118 Building $21,060
2020			$77,650 Land $17,480 Building $60,170

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1979–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 96% of the US · lower than 81% 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 149 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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