Hamilton County property record for 3695 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,672 sqft · built 1955 |
| Lot Size | 0.462 acres (20,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,180 (Apr 2025) |
| Tax Bill | $7,179 (2025) |
| Deeds & Mortgages | Feb 2023 Sale Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 526-0100-0108-00 |
| Primary APN | 526-0100-0108-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| 1st Floor Area | 1,672 sqft |
| Basement Area | 1,672 sqft |
| Finished Basement | 350 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 20,125 sqft (0.462 acres) |
| Lot Dimensions | 233 ft deep x 85 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3695 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER AVE R1-T4-S19 SW 85.99 X 233.52 IRR |
| Legal Range | 01 |
| Legal Township | 04 |
| Legal Section | 19 |
| Legal Subdivision | SAGAMORE HEIGHTS |
| Legal Lot Number | 50 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | AMBERLEY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 23300 |
3695 Gardner Ave is owned and occupied by an individual who bought it in April 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 | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2023 | Warranty Deed, Transfer |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Apr 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2025 · Amount on File |
| Deed Sale | Apr 22, 2025 · Amount on File |
| Prior Sale | Feb 21, 2023 · Amount on File |
| Deed Document Number | 0000028984 |
| Deed Book / Page | 15400 / 982 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 21, 2023 |
| Property Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Document Number | 0000012067 |
| Book / Page | 14857 / 1200 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023-0012067 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000039441 |
|---|---|
| Date | Mar 30, 2021 |
| Book Page | 14385/333 |
| Instrument | 2021-0039441 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Document Number | 0000105727 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3695 GARDNER AVE CINCINNATI OH 452363301, CINCINNATI, OH 45236-3301 |
| Document Number | 0000105727 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 014054/001337 |
| Instrument | 105727 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 18, 2018 |
| Property Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Document Number | 0000002052 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 18-0032052 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3695 GARDNER AVE, CINCINNATI, OH 45236-3301 |
| Document Number | 0000002053 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 18-0032053 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 3695 Gardner Ave was $7,179, up 3.1% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| Municipality | Amberley Village |
| County | Hamilton County |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,179.00 (+3.13%) | $119,000 (+%) Land $19,421 Building $99,579 | |
| 2024 | $6,961.00 (-2.19%) | $118,999 (-) Land $19,421 Building $99,578 | |
| 2023 | $7,117.00 (+37.05%) | $118,999 (+58.14%) Land $19,421 Building $99,578 | $340,000 Land $55,490 Building $284,510 |
| 2022 | $5,193.00 Homeowner's exemption | $75,251 Land $15,663 Building $59,588 | |
| 2020 | $215,000 Land $44,750 Building $170,250 |
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.
FEMA maps place 3695 Gardner Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 | 4 in force |
| Nearby Flood Claims | 5 (1979–2014) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | May 2014 · other causes |
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 risk around 3695 Gardner Ave 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 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 155 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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