3850 Gardner Ave, Cincinnati, OH 45236 Property Records

Hamilton County property record for 3850 Gardner Ave, Cincinnati, OH 45236 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,034 sqft · built 1939
Lot Size	0.122 acres (5,314 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Feb 2013)
Tax Bill	$3,197 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`602-0009-0117-00`

Property Details

APN / Parcel Number

Primary APN	`602-0009-0117-00`
Alternative APN	`0015114`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,034 sqft Living Area
Gross Area	1,620 sqft
1st Floor Area	810 sqft
Basement Area	810 sqft
Finished Basement	224 sqft
Unfinished Basement	586 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	5,314 sqft (0.122 acres)
Lot Dimensions	117 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Detached Frame Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3850 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 117 THORNTON HGTS SUB
Legal Subdivision	THORNTON HGTS SUB
Legal Lot Number	117
Jurisdiction	HAMILTON OH
Township / Civil Division	SILVERTON
Census Block Group	3
Census Block	3001
Census Tract	23800

Owner

Source: Hamilton County records · APN 602-0009-0117-00

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	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Aug 10, 2023	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jul 17, 2024	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 11, 2018	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 20, 2013 · Amount on Record
Deed Sale	Feb 20, 2013 · Amount on Record
Deed Document Number	201323733
Deed Book / Page	12243 / 2260
Prior Transfer Date	Jun 04, 2009
Prior Transfer Doc	0000000975
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126557
Date	Oct 19, 2021
Book Page	14526/1418
Instrument	2021-0126557

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096971
Date	Oct 13, 2022
Book Page	14772/1067
Instrument	2022-0096971

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

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

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056386
Date	Aug 10, 2023
Book Page	14976/2020
Instrument	2023-0056386

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	CINCINNATI, OH 45236

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2048

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049085
Date	Jul 17, 2024
Book Page	15209/111
Instrument	2024-0049085

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 25, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Document Number	0000010763
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3850 GARDNER AVE CINCINNATI OH 452363360, CINCINNATI, OH 45236-3360

Mortgage

Document Number	0000010763
Date	Jan 26, 2021
Book Page	014341/000249
Instrument	10763

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3850 GARDNER AVE, CINCINNATI, OH 45236-3360
Document Number	0000067451
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 08, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3850 GARDNER AVE CINCINNATI OH 452363360, CINCINNATI, OH 45236-3360

Mortgage

Document Number	0000067451
Date	Aug 02, 2018
Book Page	013723/000992
Instrument	67451

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 01, 2043

Interest

Rate Type	Adjustable Rate

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,197.00 (+20.01%)	$45,504 (-) Land $10,101 Building $35,403	$130,010 (-) Land $28,860 Building $101,150
2024	$2,664.00 (-32.8%)	$45,504 (-31.68%) Land $10,101 Building $35,403
2023	$3,964.00 (+39.19%)	$66,609 (+81.15%) Land $10,101 Building $56,508	$130,010 (+23.75%) Land $28,860 Building $101,150
2022	$2,848.00 Homeowner's exemption	$36,771 Land $7,406 Building $29,365
2020			$105,060 Land $21,160 Building $83,900

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 804 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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