4013 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4013 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,404 sqft · built 1924
Lot Size	0.105 acres (4,574 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Aug 2022)
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`551-0007-0346-00`

Property Details

APN / Parcel Number

Primary APN	`551-0007-0346-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,036 sqft
Attic	Attic
Attic Area	368 sqft
Basement Area	1,023 sqft

Exterior

Year Built	Built 1924
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,574 sqft (0.105 acres)
Lot Dimensions	100 ft deep x 36 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4013 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4013 HARDING AV 36.43 X 100 IR PT LOT 69 KESSEN &HEMSATH SUB
Legal Subdivision	KESSEN & HEMSATH SUB
Legal Lot Number	69
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	4
Census Block	4007
Census Tract	20902

Owner

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	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage US BANK NA
Feb 10, 2023	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 15, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 22, 2020	Warranty Deed, Transfer · FHA Mortgage LIBERTY HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Prior Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	0000078875
Deed Book / Page	14730 / 395
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614

Mortgage

Document Number	0000098142
Date	Dec 16, 2025
Book Page	15563/859
Instrument	2025-0098142

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Aug 1, 2052

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010148
Date	Feb 10, 2023
Book Page	14851/1054
Instrument	2023-0010148

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44144

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Aug 1, 2052

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004542
Date	Jan 18, 2023
Book Page	14834/1519
Instrument	2023-0004542

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	MATTINGLY FORD TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131267
Date	Oct 28, 2021
Book Page	14533/3100
Instrument	2021-0131267

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 15, 2022
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Document Number	0000078875
Book / Page	14730 / 395
Map Reference	MB 21 PG 36
Instrument Date	Jul 7, 2022
Instrument	2022-0078875
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614

Mortgage

Document Number	0000078876
Date	Aug 15, 2022
Instrument	2022-0078876

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 22, 2020
Property Address	4013 HARDING AVE, CINCINNATI, OH 45211-4614
Document Number	0000071183
Book / Page	014215 / 001959
Instrument Date	Jul 9, 2020
Instrument	71183
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4013 HARDING AVE CINCINNATI OH 452114614, CINCINNATI, OH 45211-4614

Mortgage

Document Number	71184
Date	Jul 22, 2020
Book Page	014215/001961
Instrument	71184

Lender

Name	LIBERTY HM MTG
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cheviot City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,815.00 (+2.91%)	$61,250 (-) Land $4,760 Building $56,490
2024	$3,707.00 (-2.06%)	$61,250 (-) Land $4,760 Building $56,490
2023	$3,785.00 (+107.97%)	$61,250 (+140.15%) Land $4,760 Building $56,490	$175,000 (+140.15%) Land $13,600 Building $161,400
2022	$1,820.00 Homeowner's exemption	$25,505 Land $4,501 Building $21,004
2020			$72,870 Land $12,860 Building $60,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 782 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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