Hamilton County property record for 3837 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,507 sqft · built 1940 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $138,375 (May 2018) |
| Tax Bill | $4,145 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0071-00 |
| Primary APN | 602-0009-0071-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,507 sqft Living Area |
| 1st Floor Area | 1,018 sqft |
| Attic | Attic |
| Attic Area | 489 sqft |
| Basement Area | 1,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,358 sqft (0.123 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3837 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3837 GARDNER AVE 45 X 117.50 LOT 71 & PT 72 THORNTON HGTS PARS 71 & 183 CONS |
| Legal Subdivision | THORNTONS HEIGHTS |
| Legal Lot Number | 71 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3002 |
| 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 | 3837 GARDNER AVE, CINCINNATI, OH 45236-3359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| May 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2018 · Amount on Record |
| Deed Sale | May 30, 2018 · Amount on Record |
| Deed Document Number | 0000045915 |
| Deed Book / Page | 013678 / 001405 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3837 GARDNER AVE, CINCINNATI, OH 45236-3359 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000025647 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 14364/2836 |
| Instrument | 2021-0025647 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 9, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3837 GARDNER AVE, CINCINNATI, OH 45236-3359 |
| Document Number | 0000074002 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | THIRD CAPITAL TITLE, THIRD CAP TITLE |
| Name | Verified Name |
|---|---|
| Address | 3837 GARDNER AVE SILVERTON OH 452363359, SILVERTON, OH 45236-3359 |
| Document Number | 0000074002 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 014220/000425 |
| Instrument | 74002 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 30, 2018 |
| Property Address | 3837 GARDNER AVE, CINCINNATI, OH 45236-3359 |
| Document Number | 0000045915 |
| Book / Page | 013678 / 001405 |
| Instrument Date | May 25, 2018 |
| Instrument | 45915 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | PRODIGY TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.12 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3837 GARDNER AVE SILVERTON OH 452363359, SILVERTON, OH 45236-3359 |
| Document Number | 45916 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 013678/001407 |
| Instrument | 45916 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 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 | $4,145.00 (+20.25%) | $59,164 (-) Land $10,101 Building $49,063 | |
| 2024 | $3,447.00 (-1.88%) | $59,164 (-) Land $10,101 Building $49,063 | |
| 2023 | $3,513.00 (-6.02%) | $59,164 (+22.16%) Land $10,101 Building $49,063 | $169,040 (+22.16%) Land $28,860 Building $140,180 |
| 2022 | $3,738.00 Homeowner's exemption | $48,433 Land $7,406 Building $41,027 | |
| 2020 | $138,380 Land $21,160 Building $117,220 |
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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