232 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 232 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1920
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,455 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0008-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0008-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
1st Floor Area	1,116 sqft
2nd Floor Area	864 sqft
Upper Floors Area	864 sqft
Basement Area	1,314 sqft

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	125 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	210 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	232 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	232 BERNARD AVE 56 X 125 R1-T4-S33 S E PARS 8 & 65CONS
Legal Range	01
Legal Township	04
Legal Section	33
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1002
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	2 Individual Names on Record
Mailing Address	232 BERNARD AVE, CINCINNATI, OH 45215-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 1996
Deed Sale	Sep 9, 1996
Deed Document Number	791338
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	232 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000008124
Book / Page	013341 / 000155
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 BERNARD AVE CINCINNATI OH 452153404, CINCINNATI, OH 45215-3404

Mortgage

Document Number	0000008124
Date	Jan 26, 2017
Book Page	013341/000155
Instrument	8124

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2047

Interest

Rate Type	Adjustable Rate

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	$2,455.00 (+1.91%) Homeowner's exemption	$56,413 (+%) Land $9,838 Building $46,575
2024	$2,409.00 (-3.02%) Homeowner's exemption	$56,412 (-) Land $9,838 Building $46,574
2023	$2,484.00 (+21.88%) Homeowner's exemption	$56,412 (+45.45%) Land $9,838 Building $46,574	$161,180 (+45.46%) Land $28,110 Building $133,070
2022	$2,038.00 Homeowner's exemption	$38,784 Land $7,910 Building $30,874
2020			$110,810 Land $22,600 Building $88,210

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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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