Hamilton County property record for 3811 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,429 sqft · built 1941 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Mar 2004) |
| Tax Bill | $3,687 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0082-00 |
| Primary APN | 602-0009-0082-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,429 sqft Living Area |
| 1st Floor Area | 1,147 sqft |
| Attic | Attic |
| Attic Area | 282 sqft |
| Basement Area | 859 sqft |
| Finished Basement | 140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 65 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3811 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 82 THORNTON HEIGHTS SUB |
| Legal Subdivision | THORNTON HEIGHTS |
| Legal Lot Number | 82 |
| 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 | 3811 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage FAY SERVICING LLC |
| Jan 6, 2018 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2004 · Amount on Record |
| Deed Sale | Mar 2, 2004 · Amount on Record |
| Prior Sale | Aug 24, 2000 · Amount on Record |
| Deed Document Number | 04-063075 |
| Deed Book / Page | 9549 / 01222 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3811 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000100077 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 14779/2021 |
| Instrument | 2022-0100077 |
| Name | FAY SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | VILLA PARK, IL 60181 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3811 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000006585 |
| Instrument Date | Jan 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3811 GARDNER AVE SILVERTON OH 452363344, SILVERTON, OH 45236-3344 |
| Document Number | 0000006585 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 013589/001182 |
| Instrument | 6585 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 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 | $3,687.00 (+19.82%) Homeowner's exemption | $62,692 (-) Land $10,101 Building $52,591 | |
| 2024 | $3,077.00 (-3.3%) Homeowner's exemption | $62,692 (-) Land $10,101 Building $52,591 | |
| 2023 | $3,182.00 (+15.04%) Homeowner's exemption | $62,692 (+40.75%) Land $10,101 Building $52,591 | $179,120 (+40.75%) Land $28,860 Building $150,260 |
| 2022 | $2,766.00 Homeowner's exemption | $44,541 Land $7,406 Building $37,135 | |
| 2020 | $127,260 Land $21,160 Building $106,100 |
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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