3827 Gardner Ave, Cincinnati, OH 45236 Property Records

Hamilton County property record for 3827 Gardner Ave, Cincinnati, OH 45236

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,589 sqft · built 1946
Lot Size	0.118 acres (5,140 sqft)
Owner	Individual Name on File
Last Sale	$193,500 (Sep 2022)
Tax Bill	$4,744 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`602-0009-0076-00`

Property Details

APN / Parcel Number

Primary APN	`602-0009-0076-00`
Alternative APN	`0084457`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,589 sqft Living Area
Gross Area	2,307 sqft
1st Floor Area	1,015 sqft
2nd Floor Area	574 sqft
Upper Floors Area	574 sqft
Basement Area	718 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	117 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	89 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3827 GARDNER AVE
City	CINCINNATI
State	OH
Zip	45236-3359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDNER AVE 45 X 117.50 LOT 76 THORNTON HEIGHTS SUB
Legal Subdivision	THORNTON HEIGHTS SUB
Legal Lot Number	76
Jurisdiction	HAMILTON OH
Township / Civil Division	SILVERTON
Census Block Group	3
Census Block	3002
Census Tract	23800

Owner

Source: Hamilton County records · APN 602-0009-0076-00

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	Individual Name on File
Mailing Address	3827 GARDNER AVE, CINCINNATI, OH 45236-3359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	202291862
Deed Book / Page	14761 / 720
Prior Transfer Date	Oct 03, 2000
Prior Transfer Doc	0084710340
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 28, 2022
Property Address	3827 GARDNER AVE, CINCINNATI, OH 45236-3359
Document Number	0000091862
Book / Page	14761 / 720
Map Reference	MB 36 PG 8&9
Instrument Date	Sep 14, 2022
Instrument	2022-0091862
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$580.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 GARDNER AVE, CINCINNATI, OH 45236-3359

Mortgage

Document Number	0000091863
Date	Sep 28, 2022
Book Page	14761/722
Instrument	2022-0091863

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 01, 2029
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 2026

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

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	$4,744.00 (+20.25%)	$67,725 (-) Land $10,101 Building $57,624	$193,500 (-) Land $28,860 Building $164,640
2024	$3,945.00 (-1.89%)	$67,725 (-) Land $10,101 Building $57,624
2023	$4,021.00 (+12.95%)	$67,725 (+46.82%) Land $10,101 Building $57,624	$193,500 (+46.82%) Land $28,860 Building $164,640
2022	$3,560.00 Homeowner's exemption	$46,127 Land $7,406 Building $38,721
2020			$131,790 Land $21,160 Building $110,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), as of December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell 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 USA Fixed Wireless	100 / 20

Based on FCC filings for 804 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH3102612, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.