206 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 206 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1943
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jan 2002)
Tax Bill	$1,716 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0056-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0056-00`
Alternative APN	`0084457`

Interior

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

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	125 ft deep x 40.6 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	206 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 40.56 X 125 NS BERNARD AVE 121.69 FT W OF WEST AVE
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	206 BERNARD AVE, CINCINNATI, OH 45215-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2002 · Amount on Record
Deed Sale	Jan 15, 2002 · Amount on Record
Prior Sale	Jun 4, 1999 · Amount on Record
Deed Document Number	20029838
Deed Book / Page	8800 / 1826
Prior Transfer Date	May 27, 1999
Prior Transfer Doc	0079800279
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	206 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 BERNARD AVE, CINCINNATI, OH 45215-3404

Mortgage

Document Number	0000015480
Date	Mar 6, 2025
Book Page	15367/281
Instrument	2025-0015480

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jan 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,716.00 (+2.45%)	$32,383 (+0.01%) Land $7,613 Building $24,770	$92,520 (-) Land $21,750 Building $70,770
2024	$1,675.00 (-1.53%)	$32,381 (-) Land $7,612 Building $24,769
2023	$1,701.00 (+9.81%)	$32,381 (+41.64%) Land $7,612 Building $24,769	$92,520 (+41.64%) Land $21,750 Building $70,770
2022	$1,549.00 Homeowner's exemption	$22,862 Land $6,118 Building $16,744
2020			$65,320 Land $17,480 Building $47,840

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 · 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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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