Hamilton County property record for 3798 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,026 sqft · built 1948 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $292,000 (Apr 2025) |
| Tax Bill | $4,226 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0095-00 |
| Primary APN | 602-0009-0095-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,026 sqft Living Area |
| Gross Area | 1,730 sqft |
| 1st Floor Area | 462 sqft |
| 2nd Floor Area | 564 sqft |
| Upper Floors Area | 564 sqft |
| Basement Area | 462 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 235 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3798 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER AVE 50 X 235 PT LTS 94-147 LTS 94-146 THORNTON HT SUB PARS 95- 146-147-189 CONS |
| Legal Subdivision | THORNTON HT SUB |
| Legal Lot Number | 94-14 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 23800 |
Source: Hamilton County records, as of May 21, 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 | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WARSAW FSLA |
| Jan 10, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Jul 31, 2018 | Warranty Deed, Transfer · Conventional with PMI PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2025 · Amount on Record |
| Deed Sale | Apr 7, 2025 · Amount on Record |
| Prior Sale | Jul 31, 2018 · Amount on Record |
| Deed Document Number | 202524288 |
| Deed Book / Page | 15389 / 674 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | UNKNOWN, AHTA |
| Name | Verified Name |
|---|---|
| Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Document Number | 0000100970 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 15571/170 |
| Instrument | 2025-0100970 |
| Name | WARSAW FSLA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Document Number | 0000002911 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 14580/434 |
| Instrument | 2022-0002911 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Dec 23, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003370 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 14330/2802 |
| Instrument | 2021-0003370 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 31, 2018 |
| Property Address | 3798 GARDNER AVE, CINCINNATI, OH 45236-3304 |
| Document Number | 0000066411 |
| Book / Page | 013721 / 002186 |
| Instrument Date | Jul 2, 2018 |
| Instrument | 66411 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $459.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3798 GARDNER AVE CINCINNATI OH 452363304, CINCINNATI, OH 45236-3304 |
| Document Number | 66412 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 013721/002188 |
| Instrument | 66412 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2048 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Silverton Village |
| Unified School District | Deer Park Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,226.00 (+20.36%) | $60,340 (-) Land $16,317 Building $44,023 | $172,400 (-) Land $46,620 Building $125,780 |
| 2024 | $3,511.00 (-1.95%) | $60,340 (-) Land $16,317 Building $44,023 | |
| 2023 | $3,581.00 (-13.29%) | $60,340 (+12.68%) Land $16,317 Building $44,023 | $172,400 (+12.68%) Land $46,620 Building $125,780 |
| 2022 | $4,130.00 Homeowner's exemption | $53,551 Land $11,932 Building $41,619 | |
| 2020 | $153,000 Land $34,090 Building $118,910 |
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures