Hamilton County property record for 3820 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 737 sqft · built 1946 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2023) |
| Tax Bill | $5,642 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0104-00 |
| Primary APN | 602-0009-0104-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 737 sqft Living Area |
| 1st Floor Area | 737 sqft |
| Basement Area | 737 sqft |
| Finished Basement | 300 sqft |
| Year Built | Built 1946 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 5,227 sqft (0.119 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3820 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 104 THORNTON HEIGHTS SUB |
| Legal Subdivision | THORNTON HEIGHTS |
| Legal Lot Number | 104 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 23800 |
Source: Hamilton County records, as of February 9, 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 | 3820 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WARSAW FED'L S&L ASSN |
| Jun 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on File |
| Deed Sale | Mar 30, 2023 · Amount on File |
| Prior Sale | Jun 26, 2019 · Amount on File |
| Deed Document Number | 0000021529 |
| Deed Book / Page | 14884 / 1681 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 30, 2023 |
| Property Address | 3820 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000021529 |
| Book / Page | 14884 / 1681 |
| Map Reference | MB 36 PG 8&9 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 2023-0021529 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3820 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000021530 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 2023-0021530 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3820 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000062308 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3820 GARDNER AVE CINCINNATI OH 452363345, CINCINNATI, OH 45236-3345 |
| Document Number | 0000062308 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 014200/000800 |
| Instrument | 62308 |
| Name | WARSAW FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 26, 2019 |
| Property Address | 3820 GARDNER AVE, CINCINNATI, OH 45236-3345 |
| Document Number | 0000050861 |
| Book / Page | 013947 / 001356 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 50861 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $596.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7183 CHAMPIONS LN WEST CHESTER OH 450694635, WEST CHESTER, OH 45069-4635 |
| Document Number | 50842 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 013947/001358 |
| Instrument | 50842 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 25, 2034 |
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 | $5,642.00 (+20.27%) | $80,500 (-) Land $10,101 Building $70,399 | |
| 2024 | $4,691.00 (-1.92%) | $80,500 (-) Land $10,101 Building $70,399 | |
| 2023 | $4,783.00 (+18.74%) | $80,500 (+54.36%) Land $10,101 Building $70,399 | $230,000 (+54.36%) Land $28,860 Building $201,140 |
| 2022 | $4,028.00 Homeowner's exemption | $52,150 Land $7,406 Building $44,744 | |
| 2020 | $149,000 Land $21,160 Building $127,840 |
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 | Not rated no burnable land within ember reach |
|---|
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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