221 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 221 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,475 sqft · built 1942
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$190,700 (Nov 2023)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0045-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0045-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,475 sqft Living Area
1st Floor Area	830 sqft
2nd Floor Area	645 sqft
Upper Floors Area	645 sqft
Basement Area	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	221 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD 50 X 115 SS BERNARD 511.17 FT W OFWEST
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1003
Census Tract	23201

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MTG GRP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on Record
Deed Sale	Nov 7, 2023 · Amount on Record
Prior Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	2023-0078819
Deed Book / Page	15038 / 7
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 7, 2023
Property Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000078819
Book / Page	15038 / 7
Instrument Date	Nov 1, 2023
Instrument	2023-0078819
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403

Mortgage

Document Number	0000078820
Date	Nov 7, 2023
Instrument	2023-0078820

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 7, 2021
Property Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000002420
Book / Page	14329 / 1388
Instrument Date	Dec 18, 2020
Instrument	2021-0002420
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403

Mortgage

Document Number	0000002421
Date	Jan 7, 2021
Instrument	2021-0002421

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	221 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000095675
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 BERNARD AVE CINCINNATI OH 452153403, CINCINNATI, OH 45215-3403

Mortgage

Document Number	0000095675
Date	Nov 1, 2019
Book Page	014036/001338
Instrument	95675

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 31, 2034

Tax Assessment & Valuation

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

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	$2,530.00 (+21.11%)	$47,698 (+18.5%) Land $8,918 Building $38,780
2024	$2,089.00 (-1.37%)	$40,250 (-) Land $8,918 Building $31,332
2023	$2,118.00 (-3.11%)	$40,250 (+25.04%) Land $8,918 Building $31,332	$136,280 (+48.18%) Land $25,480 Building $110,800
2022	$2,186.00 Homeowner's exemption	$32,190 Land $7,172 Building $25,018
2020			$91,970 Land $20,490 Building $71,480

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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