229 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 229 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1976
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Nov 2025)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0074-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0074-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
Gross Area	2,166 sqft
1st Floor Area	962 sqft
Basement Area	962 sqft
Finished Basement	700 sqft
Unfinished Basement	262 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	229 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AV 50 X 115 R1-T4-S33 NE
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1003
Census Tract	23201

Owner

Source: Hamilton County records, as of June 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
Mailing Address	229 BERNARD AVE, CINCINNATI, OH 45215-3403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Deed Document Number	202590063
Deed Book / Page	15545 / 956
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 18, 2025
Property Address	229 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000090063
Book / Page	15545 / 956
Instrument Date	Nov 12, 2025
Instrument	2025-0090063
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 BERNARD AVE, CINCINNATI, OH 45215-3403

Mortgage

Document Number	0000090064
Date	Nov 18, 2025
Instrument	2025-0090064

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	0000090065
Date	Nov 18, 2025
Book Page	15545/974
Instrument	2025-0090065

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45240

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

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	$2,548.00 (+2.37%)	$48,045 (-) Land $8,918 Building $39,127	$137,270 (-) Land $25,480 Building $111,790
2024	$2,489.00 (-1.46%)	$48,045 (-) Land $8,918 Building $39,127
2023	$2,526.00 (+6.99%)	$48,045 (+38.04%) Land $8,918 Building $39,127	$137,270 (+38.04%) Land $25,480 Building $111,790
2022	$2,361.00 Homeowner's exemption	$34,805 Land $7,172 Building $27,633
2020			$99,440 Land $20,490 Building $78,950

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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