Hamilton County property record for 3848 Gardner Ave, Cincinnati, OH 45236
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,109 sqft · built 1939 |
| Lot Size | 0.121 acres (5,271 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Sep 2025) |
| Tax Bill | $4,169 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 602-0009-0116-00 |
| Primary APN | 602-0009-0116-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,109 sqft Living Area |
| 1st Floor Area | 616 sqft |
| 2nd Floor Area | 493 sqft |
| Upper Floors Area | 493 sqft |
| Basement Area | 616 sqft |
| Year Built | Built 1939 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,271 sqft (0.121 acres) |
| Lot Dimensions | 117 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3848 GARDNER AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45236-3360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARDNER AVE 45 X 117.50 LOT 116 THORNTON HEIGHTS SUB |
| Legal Subdivision | THORNTON HEIGHTS |
| Legal Lot Number | 116 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SILVERTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 23800 |
3848 Gardner Ave is owned and occupied by an individual who bought it in September 2025.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3848 GARDNER AVE, CINCINNATI, OH 45236-3360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Aug 19, 2024 · Amount on File |
| Deed Document Number | 0000068174 |
| Deed Book / Page | 15493 / 2858 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 4, 2025 |
| Property Address | 3848 GARDNER AVE, CINCINNATI, OH 45236-3360 |
| Document Number | 0000068174 |
| Book / Page | 15493 / 2858 |
| Map Reference | MB 36 PG 8&9 |
| Instrument Date | Sep 2, 2025 |
| Instrument | 2025-0068174 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3848 GARDNER AVE, CINCINNATI, OH 45236-3360 |
| Document Number | 0000068175 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 2025-0068175 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 3, 2021 |
| Property Address | 3848 GARDNER AVE, CINCINNATI, OH 45236-3360 |
| Document Number | 0000026939 |
| Book / Page | 14366 / 1643 |
| Map Reference | MB 36 PG 8&9 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2021-0026939 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3848 GARDNER AVE, CINCINNATI, OH 45236-3360 |
| Document Number | 0000026940 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 2021-0026940 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 3848 Gardner Ave was $4,169, up 20.3% from the year before.
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 | $4,169.00 (+20.28%) | $59,500 (-) Land $10,101 Building $49,399 | |
| 2024 | $3,466.00 (-1.9%) | $59,500 (-) Land $10,101 Building $49,399 | |
| 2023 | $3,533.00 (+13.2%) | $59,500 (+47.19%) Land $10,101 Building $49,399 | $170,000 Land $28,860 Building $141,140 |
| 2022 | $3,121.00 Homeowner's exemption | $40,425 Land $7,406 Building $33,019 | |
| 2020 | $115,500 Land $21,160 Building $94,340 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3848 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.
The area around 3848 Gardner Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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