236 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 236 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,249 sqft · built 2018
Lot Size	0.223 acres (9,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$16,000 (Dec 2016)
Tax Bill	$5,687 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`671-0001-0026-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0026-00`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,249 sqft Living Area
1st Floor Area	2,249 sqft
Basement Area	2,249 sqft

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	9,757 sqft (0.223 acres)
Lot Dimensions	125 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	236 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	86.10 X 125 IRR R1-T4-S33
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	236 BERNARD AVE, CINCINNATI, OH 45215-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit CINFED CU
Mar 24, 2021	Deed of Trust, Mortgage CINFED CU
Feb 5, 2018	Deed of Trust, Mortgage · Construction Mortgage CINFED CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2016 · Amount on Record
Deed Sale	Dec 19, 2016 · Amount on Record
Prior Sale	Sep 8, 2016
Deed Document Number	16-0118893
Deed Book / Page	013316 / 000075
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	236 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 BERNARD AVE, CINCINNATI, OH 45215-3404

Mortgage

Document Number	0000002398
Date	Jan 11, 2023
Book Page	14830/1201
Instrument	2023-0002398

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	236 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036993
Date	Mar 24, 2021
Book Page	14381/1796
Instrument	2021-0036993

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	236 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009818
Date	Feb 5, 2018
Instrument	18-0009818

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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	$5,687.00 (+2.41%)	$107,300 (-) Land $12,254 Building $95,046
2024	$5,553.00 (-1.49%)	$107,300 (-) Land $12,254 Building $95,046
2023	$5,637.00 (-10.08%)	$107,300 (+16.04%) Land $12,254 Building $95,046	$306,570 (+16.04%) Land $35,010 Building $271,560
2022	$6,269.00 Homeowner's exemption	$92,471 Land $9,853 Building $82,618
2020			$264,200 Land $28,150 Building $236,050

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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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