235 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 235 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,028 sqft · built 2006
Lot Size	0.146 acres (6,403 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (Oct 2024)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`671-0001-0029-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0029-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
1st Floor Area	1,068 sqft
2nd Floor Area	960 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,403 sqft (0.146 acres)
Lot Dimensions	115 ft deep x 49 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	235 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIESENBERG AV 49.6 X 115.64 IRR
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1003
Census Tract	23201

Owner

235 Bernard Ave is owned and occupied by an individual who bought it in October 2024.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	235 BERNARD AVE, CINCINNATI, OH 45215-3403
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2024	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Oct 11, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Apr 2, 2019	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2024 · Amount on File
Deed Sale	Oct 11, 2024 · Amount on File
Prior Sale	Apr 2, 2019 · Amount on File
Deed Document Number	0000071860
Deed Book / Page	15270 / 920
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	235 BERNARD AVE, CINCINNATI, OH 45215-3403
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 BERNARD AVE, READING, OH 45215-3403

Mortgage

Document Number	0000056774
Date	Aug 14, 2024
Book Page	15229/1624
Instrument	2024-0056774

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 11, 2024
Property Address	235 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000071860
Book / Page	15270 / 920
Instrument Date	Sep 30, 2024
Instrument	2024-0071860
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.50
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	235 BERNARD AVE, READING, OH 45215-3403

Mortgage

Document Number	0000071861
Date	Oct 11, 2024
Instrument	2024-0071861

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 2, 2019
Property Address	235 BERNARD AVE, CINCINNATI, OH 45215-3403
Document Number	0000024441
Book / Page	13887 / 02266
Instrument Date	Mar 29, 2019
Instrument	2019-0024441
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000002268
Date	Apr 2, 2019
Instrument	13887/02268

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 235 Bernard Ave was $4,442, up 4.9% from the year before.

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	$4,442.00 (+4.89%)	$81,834 (-) Land $9,184 Building $72,650
2024	$4,235.00 (-1.49%)	$81,834 (-) Land $9,184 Building $72,650
2023	$4,299.00 (-7.11%)	$81,834 (+19.9%) Land $9,184 Building $72,650	$233,810 Land $26,240 Building $207,570
2022	$4,628.00 Homeowner's exemption	$68,250 Land $7,385 Building $60,865
2020			$195,000 Land $21,100 Building $173,900

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

FEMA maps place 235 Bernard Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

The area around 235 Bernard Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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