3806 Gardner Ave, Cincinnati, OH 45236 Property Records

Hamilton County property record for 3806 Gardner Ave, Cincinnati, OH 45236

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,052 sqft · built 1948
Lot Size	0.121 acres (5,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,500 (Apr 2020)
Tax Bill	$5,562 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`602-0009-0097-00`

Property Details

APN / Parcel Number

Primary APN	`602-0009-0097-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,052 sqft Finished Area
1st Floor Area	1,026 sqft
2nd Floor Area	1,026 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	5,314 sqft (0.121 acres)
Lot Dimensions	117 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3806 GARDNER AVE
City	CINCINNATI
State	OH
Zip	45236-3345
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GARDNER AVE 45 X 117.50 LOT 97 THORNTON HGTS SUB
Legal Subdivision	THORNTON HEIGHTS SUB
Legal Lot Number	97
Jurisdiction	HAMILTON OH
Township / Civil Division	SILVERTON
Census Block Group	3
Census Block	3000
Census Tract	23800

Owner

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	2 Individual Names on Record
Mailing Address	9620 WEST AVE, BLUE ASH, OH 45242-6153
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Grant Deed, Transfer · FHA Mortgage GOLD FIN'L SVCS
Apr 6, 2017	Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Apr 6, 2017 · Amount on Record
Deed Document Number	0000000035
Deed Book / Page	014147 / 002356
Record Updated	Jun 8, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 15, 2020
Property Address	3806 GARDNER AVE, CINCINNATI, OH 45236-3345
Document Number	0000000035
Book / Page	014147 / 002356
Instrument Date	Mar 31, 2020
Instrument	35
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$766.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3806 GARDNER AVE CINCINNATI OH 452363345, CINCINNATI, OH 45236-3345

Mortgage

Document Number	35284
Date	Apr 15, 2020
Book Page	014147/002358
Instrument	35284

Lender

Name	GOLD FIN'L SVCS
Type	Funding / Finance Company
Address	HOUSTON, TX 77035

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 6, 2017
Property Address	3806 GARDNER AVE, CINCINNATI, OH 45236-3345
Document Number	0000030225
Book / Page	13390 / 00167
Map Reference	PB 36 PG 8-9
Instrument Date	Mar 27, 2017
Instrument	17-0030225
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3806 GARDNER AVE, CINCINNATI, OH 45236-3345

Mortgage

Document Number	, 17-0030226
Date	Apr 6, 2017
Instrument	17-0030226

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Silverton Village
Unified School District	Deer Park Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,562.00 (+18.8%)	$78,652 (-) Land $10,101 Building $68,551
2024	$4,682.00 (-1.16%)	$78,652 (-) Land $10,101 Building $68,551
2023	$4,737.00 (-9.11%)	$78,652 (+18%) Land $10,101 Building $68,551	$224,720 (+18%) Land $28,860 Building $195,860
2022	$5,212.00 Homeowner's exemption	$66,654 Land $7,406 Building $59,248
2020			$190,440 Land $21,160 Building $169,280

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

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.

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.

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 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

3806 Gardner Ave, Cincinnati, OH 45236 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2020: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Gardner Ave

Nearby Streets

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