3446 Cardiff Ave, Cincinnati, OH 45209 Property Records

Hamilton County property record for 3446 Cardiff Ave, Cincinnati, OH 45209

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 2,191 sqft · built 1914
Lot Size	0.097 acres (4,225 sqft)
Owner	Individual Name on Record
Last Sale	$272,500 (Aug 2020)
Tax Bill	$8,689 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-0004-0114-00`

Property Details

APN / Parcel Number

Primary APN	`051-0004-0114-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,191 sqft Living Area
Gross Area	3,150 sqft
1st Floor Area	959 sqft
2nd Floor Area	840 sqft
Attic	Attic
Attic Area	392 sqft
Basement Area	959 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,225 sqft (0.097 acres)
Lot Dimensions	133 ft deep x 30 ft wide
Porch	Open Frame Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3446 CARDIFF AVE
City	CINCINNATI
State	OH
Zip	45209-1318
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMX
Legal Description	CARDIFF AVE 30 X 133.53 IRR PT LOT 72 MILLS-KLINES 2ND SUB
Legal Subdivision	MILLS-KLINES 2ND SUB
Legal Lot Number	72
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2000
Census Tract	5302

Owner

Source: Hamilton County records, as of January 21, 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	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage RIVER CTY MTG
Dec 31, 2019	Loan Modification, Mortgage CENTERBANK
Sep 21, 2018	Deed of Trust, Mortgage JOHN W WRIGHT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	Sep 4, 2014 · Amount on Record
Deed Document Number	202080339
Deed Book / Page	14230 / 2980
Prior Transfer Date	Oct 20, 2005
Prior Transfer Doc	0000000369
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016666
Date	Feb 8, 2021
Book Page	14350/1618
Instrument	2021-0016666

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 23, 2021
Property Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Document Number	0000090073
Book / Page	14465 / 1827
Map Reference	MB 8 VOL 2 PG 16
Instrument Date	Jul 16, 2021
Instrument	2021-0090073
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,197.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318

Mortgage

Document Number	0000090074
Date	Jul 23, 2021
Instrument	2021-0090074

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 12, 2020
Property Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Document Number	0000080339
Book / Page	014230 / 002980
Instrument Date	Jul 22, 2020
Instrument	80339
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	IVY POINTE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,102.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 CARDIFF AVE CINCINNATI OH 452091318, CINCINNATI, OH 45209-1318

Mortgage

Document Number	80340
Date	Aug 12, 2020
Book Page	014230/002983
Instrument	80340

Lender

Name	RIVER CTY MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Document Number	0000003112
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2620 ROOKWOOD LN CINCINNATI OH 452083339, CINCINNATI, OH 45208-3339

Mortgage

Document Number	0000003112
Date	Jan 10, 2020
Book Page	014081/000476
Instrument	3112

Lender

Name	CENTERBANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3446 CARDIFF AVE, CINCINNATI, OH 45209-1318
Document Number	0000086545
Instrument Date	Sep 21, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3446 CARDIFF AVE CINCINNATI OH 452091318, CINCINNATI, OH 45209-1318

Mortgage

Document Number	0000086545
Date	Sep 28, 2018
Book Page	013763/000990
Instrument	86545

Lender

Name	JOHN W WRIGHT

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

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	$8,689.00 (+1.92%)	$139,650 (-) Land $30,436 Building $109,214	$399,000 (-) Land $86,960 Building $312,040
2024	$8,525.00 (-1.4%)	$139,650 (-) Land $30,436 Building $109,214
2023	$8,646.00 (+500.83%)	$139,650 (+565%) Land $30,436 Building $109,214	$399,000 (+565%) Land $86,960 Building $312,040
2022	$1,439.00 Homeowner's exemption	$21,000 Land $18,263 Building $2,737
2020			$60,000 Land $52,180 Building $7,820

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1997)
Most Recent Claim	Jun 1997 · 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	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 628 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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