Hamilton County property record for 3817 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,288 sqft · built 1941 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jan 2026) |
| Tax Bill | $3,031 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Apr 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0079-00 |
| Primary APN | 602-0009-0079-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 2,158 sqft |
| 1st Floor Area | 870 sqft |
| Attic | Attic |
| Attic Area | 418 sqft |
| Basement Area | 870 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 | Carport |
| Carport | Carport |
| Porch | Open Frame Porch |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3817 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 79 THORNTON HGTS SUB |
| Legal Subdivision | THORNTON HGTS SUB |
| Legal Lot Number | 79 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 23800 |
3817 Gardner Ave is owned and occupied by an individual who bought it in January 2026.
Source: Hamilton County records, as of May 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3817 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND |
| Apr 4, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jan 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2026 · Amount on File |
| Deed Sale | Jan 26, 2026 · Amount on File |
| Prior Sale | Feb 4, 2003 · Amount on File |
| Deed Document Number | 20265873 |
| Deed Book / Page | 15589 / 907 |
| Prior Transfer Date | Mar 23, 2001 |
| Prior Transfer Doc | 0000060724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3817 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI |
| Name | Verified Name |
|---|
| Document Number | 0000092362 |
|---|---|
| Date | Sep 29, 2022 |
| Book Page | 14762/904 |
| Instrument | 2022-0092362 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3817 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000022609 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 14887/1721 |
| Instrument | 2023-0022609 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 251 Months |
| Due | Mar 29, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 26, 2026 |
| Property Address | 3817 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000005873 |
| Book / Page | 15589 / 907 |
| Map Reference | MB 36 PG 8&9 |
| Instrument Date | Jan 13, 2026 |
| Instrument | 2026-0005873 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Title Company | UNKNOWN, LTOC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3817 GARDNER AVE, CINCINNATI, OH 45236-3344 |
| Document Number | 0000005874 |
|---|---|
| Date | Jan 26, 2026 |
| Instrument | 2026-0005874 |
| Name | SIBCY CLINE MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2025 property tax bill for 3817 Gardner Ave was $3,031 with a homeowner's exemption, up 19.9% from the year before.
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 | $3,031.00 (+19.9%) Homeowner's exemption | $53,382 (-) Land $10,101 Building $43,281 | $152,520 Land $28,860 Building $123,660 |
| 2024 | $2,528.00 (-3.66%) Homeowner's exemption | $53,382 (-) Land $10,101 Building $43,281 | |
| 2023 | $2,624.00 (+6.93%) Homeowner's exemption | $53,382 (+31.58%) Land $10,101 Building $43,281 | $152,520 Land $28,860 Building $123,660 |
| 2022 | $2,454.00 Homeowner's exemption | $40,569 Land $7,406 Building $33,163 | |
| 2020 | $115,910 Land $21,160 Building $94,750 |
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.
FEMA maps place 3817 Gardner Ave in Zone X, an area of minimal flood risk.
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 risk around 3817 Gardner Ave is low, with less than a 0.01% annual chance of 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.
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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