Hamilton County property record for 3805 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,576 sqft · built 1948 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $157,000 (Oct 2018) |
| Tax Bill | $4,580 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0084-00 |
| Primary APN | 602-0009-0084-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 1,065 sqft |
| Attic | Attic |
| Attic Area | 511 sqft |
| Basement Area | 1,065 sqft |
| Finished Basement | 260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3805 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER AVE 45 X 117.50 LOT 84 THORNTON HEIGHTS SUB |
| Legal Subdivision | THORNTON HEIGHTS |
| Legal Lot Number | 84 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 23800 |
Source: Hamilton County records, as of February 9, 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 | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage SIBCY CLINE MTG SVCS |
| Oct 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage SIBCY CLINE MTG SVCS |
| Oct 4, 2018 | Warranty Deed, Transfer · FHA Mortgage SIBCY CLINE MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2018 · Amount on Record |
| Deed Sale | Oct 4, 2018 · Amount on Record |
| Prior Sale | Apr 20, 2007 · Amount on Record |
| Deed Document Number | 2018-0088456 |
| Deed Book / Page | 13767 / 336 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000009100 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 14848/119 |
| Instrument | 2023-0009100 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000023597 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 14361/2849 |
| Instrument | 2021-0023597 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000028091 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3805 GARDNER AVE CINCINNATI OH 452363344, CINCINNATI, OH 45236-3344 |
| Document Number | 0000028091 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 014131/000094 |
| Instrument | 28091 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 23, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000092187 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3805 GARDNER AVE CINCINNATI OH 452363344, CINCINNATI, OH 45236-3344 |
| Document Number | 0000092187 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 014029/000182 |
| Instrument | 92187 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 4, 2018 |
| Property Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000088456 |
| Book / Page | 13767 / 336 |
| Map Reference | MB 36 PG 8&9 |
| Instrument Date | Sep 12, 2018 |
| Instrument | 2018-0088456 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $471.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3805 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000088457 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 2018-0088457 |
| Name | SIBCY CLINE MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $4,580.00 (+20.3%) | $65,349 (-) Land $10,101 Building $55,248 | |
| 2024 | $3,807.00 (-1.93%) | $65,349 (-) Land $10,101 Building $55,248 | |
| 2023 | $3,882.00 (-8.49%) | $65,349 (+18.92%) Land $10,101 Building $55,248 | $186,710 (+18.92%) Land $28,860 Building $157,850 |
| 2022 | $4,242.00 Homeowner's exemption | $54,950 Land $7,406 Building $47,544 | |
| 2020 | $157,000 Land $21,160 Building $135,840 |
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 804 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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