3497 Bayard Dr, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3497 Bayard Dr, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,230 sqft · built 2013
Lot Size	0.459 acres (20,016 sqft)
Owner	Individual Name on File
Last Sale	$1,900,000 (Aug 2025)
Tax Bill	$16,373 (2025)
Deeds & Mortgages	Aug 2023 Sale Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0A06-0332-00`

Property Details

APN / Parcel Number

Primary APN	`039-0A06-0332-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,230 sqft Living Area
1st Floor Area	3,230 sqft
Basement Area	3,230 sqft
Finished Basement	1,924 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	20,016 sqft (0.459 acres)
Lot Width	196 ft Width
Garage Type	Attached
Garage Area	831 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3497 BAYARD DR
City	CINCINNATI
State	OH
Zip	45208-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYARD DR 0.4595 AC PT LOT 30 KILGOUR ACRES SUB R2 T4 S27
Legal Subdivision	KILGOUR ACRES SUB
Legal Lot Number	30
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2005
Census Tract	5100

Owner

3497 Bayard Dr is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600
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 30, 2023	Deed, Transfer LAWYERS TITLE
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Aug 30, 2017	Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB
Mar 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025 · Amount on File
Deed Sale	Aug 22, 2025 · Amount on File
Prior Sale	Aug 30, 2023 · Amount on File
Deed Document Number	0000064068
Deed Book / Page	15485 / 2130
Record Updated	Jun 8, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 30, 2023
Property Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600
Document Number	0000061356
Book / Page	14990 / 1063
Instrument Date	Aug 25, 2023
Instrument	2023-0061356
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$1,827.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079032
Date	Aug 30, 2017
Instrument	17-0079032

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079033
Date	Aug 30, 2017
Instrument	17-0079033

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 13, 2019
Property Address	3497 BAYARD DR, CINCINNATI, OH 45208-1600
Document Number	0000018840
Book / Page	013873 / 001875
Instrument Date	Mar 6, 2019
Instrument	18840
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3497 BAYARD DR CINCINNATI OH 452081600, CINCINNATI, OH 45208-1600

Tax Assessment & Valuation

The 2025 property tax bill for 3497 Bayard Dr was $16,373, 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	$16,373.00 (+3.13%)	$468,349 (+%) Land $162,032 Building $306,317
2024	$15,876.00 (-5.86%)	$468,348 (-) Land $162,032 Building $306,316
2023	$16,865.00 (-4.66%)	$468,348 (+3.29%) Land $162,032 Building $306,316	$1,338,140 Land $462,950 Building $875,190
2022	$17,690.00	$453,446 Land $166,537 Building $286,909
2020			$1,295,560 Land $475,820 Building $819,740

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 3497 Bayard Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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 Policies	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · 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

Wildfire risk around 3497 Bayard Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	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 481 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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