3321 Cardiff Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3321 Cardiff Ave, Cincinnati, OH 45209

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 957 sqft · built 1900
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (May 2022)
Tax Bill	$7,311 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050-0004-0043-00`

Property Details

APN / Parcel Number

Primary APN	`050-0004-0043-00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	957 sqft Living Area
1st Floor Area	957 sqft
Basement Area	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,055 sqft (0.139 acres)
Lot Width	42 ft Width
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3321 CARDIFF AVE
City	CINCINNATI
State	OH
Zip	45209-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3321 CARDIFF AVE 42.50 FT IRR PT LOT 16 ALFRED WHITE SUB
Legal Subdivision	ALFRED WHITE SUB
Legal Lot Number	16
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2010
Census Tract	5301

Owner

3321 Cardiff Ave is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3321 CARDIFF AVE, CINCINNATI, OH 45209-1315
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
May 20, 2022	Survivorship Deed, Transfer · Conventional Mortgage RIVERHILLS BANK
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Dec 2, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2022 · Amount on File
Deed Sale	May 20, 2022 · Amount on File
Prior Sale	Jul 23, 2015
Deed Document Number	0000050715
Deed Book / Page	14672 / 1245
Record Updated	Jun 8, 2026

May 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	May 20, 2022
Property Address	3321 CARDIFF AVE, CINCINNATI, OH 45209-1315
Document Number	0000050715
Book / Page	14672 / 1245
Map Reference	MB 7 PG 103
Instrument Date	May 12, 2022
Instrument	2022-0050715
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
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
Address	3321 CARDIFF AVE, CINCINNATI, OH 45209-1315

Mortgage

Document Number	0000050716
Date	May 20, 2022
Instrument	2022-0050716

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3321 CARDIFF AVE, CINCINNATI, OH 45209-1315
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004163
Date	Jan 13, 2017
Instrument	17-0004163

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3321 CARDIFF AVE, CINCINNATI, OH 45209-1315
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000105537
Date	Dec 2, 2019
Book Page	14054/00047
Instrument	2019-0105537

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3321 Cardiff Ave was $7,311, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,311.00 (+3.15%)	$119,000 (-) Land $35,280 Building $83,720
2024	$7,088.00 (-2.22%)	$119,000 (-) Land $35,280 Building $83,720
2023	$7,249.00 (+283.54%)	$119,000 (+342.71%) Land $35,280 Building $83,720	$340,000 Land $100,800 Building $239,200
2022	$1,890.00	$26,880 Land $21,168 Building $5,712
2020			$76,800 Land $60,480 Building $16,320

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3321 Cardiff Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3321 Cardiff 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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 552 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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