Hamilton County property record for 3908 Harding Ave, Cincinnati, OH 45211
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,652 sqft · built 1918 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $113,700 (May 2018) |
| Tax Bill | $2,822 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 551-0007-0305-00 |
| Primary APN | 551-0007-0305-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,256 sqft |
| 1st Floor Area | 804 sqft |
| 2nd Floor Area | 648 sqft |
| Upper Floors Area | 648 sqft |
| Basement Area | 804 sqft |
| Finished Basement | 200 sqft |
| Unfinished Basement | 604 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 125 ft deep x 48 ft wide |
| Porch | Open Frame Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3908 HARDING AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45211-4713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3908 HARDING AV 48 X 125 LOT 38 KESSEN & HEMSATH SUB |
| Legal Subdivision | KESSEN & HEMSATH SUB |
| Legal Lot Number | 38 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CHEVIOT |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 20902 |
3908 Harding Ave is owned and occupied by two individuals who bought it in May 2018.
Source: Hamilton County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3908 HARDING AVE, CINCINNATI, OH 45211-4713 |
| 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 |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 16, 2018 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2018 · Amount on File |
| Deed Sale | May 16, 2018 · Amount on File |
| Prior Sale | Jul 17, 2009 · Amount on File |
| Deed Document Number | 201841841 |
| Prior Transfer Date | Dec 27, 2011 |
| Prior Transfer Doc | 0000000918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 26, 2026 |
| Property Address | 3908 HARDING AVE, CINCINNATI, OH 45211-4713 |
| Document Number | 0000069821 |
| Book / Page | 15737 / 159 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202669821 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3908 HARDING AVE, CINCINNATI, OH 45211-4713 |
| Document Number | 0000069821, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 15737/159 |
| Instrument | 202669821 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 16, 2018 |
| Property Address | 3908 HARDING AVE, CINCINNATI, OH 45211-4713 |
| Document Number | 0000041841 |
| Book / Page | 013669 / 001913 |
| Instrument Date | May 14, 2018 |
| Instrument | 41841 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $341.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3908 HARDING AVE CINCINNATI OH 452114713, CINCINNATI, OH 45211-4713 |
| Document Number | 41842 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 013669/001915 |
| Instrument | 41842 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2048 |
The 2025 property tax bill for 3908 Harding Ave was $2,822, up 2.9% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cheviot City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,822.00 (+2.92%) | $45,318 (-) Land $7,574 Building $37,744 | $129,480 Land $21,640 Building $107,840 |
| 2024 | $2,742.00 (-2.04%) | $45,318 (-) Land $7,574 Building $37,744 | |
| 2023 | $2,799.00 (-1.44%) | $45,318 (+13.88%) Land $7,574 Building $37,744 | $129,480 Land $21,640 Building $107,840 |
| 2022 | $2,840.00 Homeowner's exemption | $39,795 Land $7,161 Building $32,634 | |
| 2020 | $113,700 Land $20,460 Building $93,240 |
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.
FEMA maps place 3908 Harding Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 3908 Harding 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 809 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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