Hamilton County property record for 3810 Gardner Ave, Cincinnati, OH 45236 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 853 sqft · built 1941 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,000 (Oct 2018) |
| Tax Bill | $2,989 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0099-00 |
| Primary APN | 602-0009-0099-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 853 sqft Living Area |
| Gross Area | 1,706 sqft |
| 1st Floor Area | 853 sqft |
| Basement Area | 853 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3810 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER AVE 45 X 117.50 LOT 99 THORNTON HEIGHTS SUB |
| Legal Subdivision | THORNTON HEIGHTS SUB |
| Legal Lot Number | 99 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 23800 |
Source: Hamilton County records · APN 602-0009-0099-00
Assessment roll updated January 21, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Oct 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Mar 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage GOLD FIN'L SVCS |
| Oct 01, 2018 | Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 01, 2018 · Amount on Record |
| Deed Sale | Oct 01, 2018 · Amount on Record |
| Prior Sale | Oct 15, 2010 |
| Deed Document Number | 201886789 |
| Deed Book / Page | 13764 / 345 |
| Prior Transfer Date | Oct 04, 2010 |
| Prior Transfer Doc | 0000000807 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000144427 |
|---|---|
| Date | Dec 01, 2021 |
| Book Page | 14554/3178 |
| Instrument | 2021-0144427 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000115477 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3810 GARDNER AVE CINCINNATI OH 452363345, CINCINNATI, OH 45236-3345 |
| Document Number | 0000115477 |
|---|---|
| Date | Nov 03, 2020 |
| Book Page | 014288/001081 |
| Instrument | 115477 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 02, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000035284 |
| Instrument Date | Mar 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3810 GARDNER AVE CINCINNATI OH 452363345, CINCINNATI, OH 45236-3345 |
| Document Number | 0000035284 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 014147/002358 |
| Instrument | 35284 |
| Name | GOLD FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | HOUSTON, TX 77035 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 01, 2018 |
| Property Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000086789 |
| Book / Page | 13764 / 00345 |
| Map Reference | MB 36 PG 8-9 |
| Instrument Date | Sep 11, 2018 |
| Instrument | 2018-0086789 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $402.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3810 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000086791 |
|---|---|
| Date | Oct 01, 2018 |
| Instrument | 2018-0086791 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Silverton Village |
| Unified School District | Deer Park Community City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,989.00 (+20.18%) | $42,571 (-) Land $10,101 Building $32,470 | $121,630 (-) Land $28,860 Building $92,770 |
| 2024 | $2,487.00 (-1.89%) | $42,571 (-) Land $10,101 Building $32,470 | |
| 2023 | $2,535.00 (-30.05%) | $42,571 (-9.23%) Land $10,101 Building $32,470 | $121,630 (-9.23%) Land $28,860 Building $92,770 |
| 2022 | $3,624.00 Homeowner's exemption | $46,900 Land $7,406 Building $39,494 | |
| 2020 | $134,000 Land $21,160 Building $112,840 |
Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 2% of the US · above 10% of Ohio |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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