227 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 227 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 818 sqft · built 1948
Lot Size	0.135 acres (5,881 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Apr 2024)
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0036-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0036-00`
Alternative APN	`0084457`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	818 sqft Living Area
Gross Area	1,636 sqft
1st Floor Area	818 sqft
Basement Area	818 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,881 sqft (0.135 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	227 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 50 X 115 SS BERNARD 234.60 FT E OFRIESENBERG LANE
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1003
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	159 EMERSON ST, 6, PALO ALTO, CA 94301-1024
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 30, 2024	Warranty Deed, Transfer
Apr 27, 2022	Affidavit of Death of Joint Tenant, Transfer
Nov 19, 2021	Transfer on Death Deed, Transfer
Oct 4, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Aug 11, 2006 · Amount on Record
Deed Document Number	202428339
Deed Book / Page	15156 / 925
Prior Transfer Date	Nov 15, 2021
Prior Transfer Doc	0000140414
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119336
Date	Oct 1, 2021
Book Page	14514/3235
Instrument	2021-0119336

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 30, 2024
Property Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000028339
Book / Page	15156 / 925
Instrument Date	Apr 25, 2024
Instrument	2024-0028339
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 EMERSON ST APT 6, 6, PALO ALTO, CA 94301-1024

April 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Apr 27, 2022
Property Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000042765
Book / Page	14655 / 2246
Instrument Date	Apr 21, 2022
Instrument	2022-0042765
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
Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 19, 2021
Property Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000140414
Book / Page	14548 / 2783
Instrument Date	Nov 15, 2021
Instrument	2021-0140414
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
Address	581 RIVERS BREEZE DR, LUDLOW, KY 41016-1705

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON OH
Recording Date	Oct 4, 2019
Property Address	227 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000086007
Book / Page	014016 / 000546
Instrument Date	Sep 29, 2019
Instrument	86007
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 BERNARD AVE CINCINNATI OH 452153403, CINCINNATI, OH 45215-3403

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	$1,982.00 (-7.04%)	$36,512 (-) Land $8,918 Building $27,594	$104,320 (-) Land $25,480 Building $78,840
2024	$2,132.00 (+7.79%)	$36,512 (-) Land $8,918 Building $27,594
2023	$1,978.00 (+41.08%)	$36,512 (+23.98%) Land $8,918 Building $27,594	$104,320 (+23.98%) Land $25,480 Building $78,840
2022	$1,402.00 Homeowner's exemption	$29,450 Land $7,172 Building $22,278
2020			$84,140 Land $20,490 Building $63,650

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
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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