Hamilton County property record for 413 Jefferson Ave, Saint Bernard, OH 45217
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,574 sqft · built 1890 |
| Lot Size | 0.076 acres (3,311 sqft) |
| Owner | Individual Name on File |
| Last Sale | $218,000 (Oct 2024) |
| Tax Bill | $2,795 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 582-0011-0171-00 |
| Primary APN | 582-0011-0171-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 2,182 sqft |
| 1st Floor Area | 848 sqft |
| 2nd Floor Area | 726 sqft |
| Upper Floors Area | 486 sqft |
| Basement Area | 608 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 3,311 sqft (0.076 acres) |
| Lot Dimensions | 132 ft deep x 25 ft wide |
| Patio Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 413 JEFFERSON AVE |
|---|---|
| City | SAINT BERNARD |
| State | OH |
| Zip | 45217-1712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 413 JEFFERSON AVE 25 X 132 LOT 466 S KEMPER HEIRS SUB |
| Legal Subdivision | KEMPER HEIRS SUB |
| Legal Lot Number | 466 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | ST. BERNARD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 25800 |
413 Jefferson Ave is owned and occupied by an individual who bought it in October 2024.
Source: Hamilton County records, as of June 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 29, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CENTER BANK |
| May 11, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK |
| Nov 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2024 · Amount on File |
| Deed Sale | Oct 23, 2024 · Amount on File |
| Prior Sale | Nov 21, 2018 · Amount on File |
| Deed Document Number | 202475095 |
| Deed Book / Page | 15278 / 885 |
| Prior Transfer Date | Nov 5, 2002 |
| Prior Transfer Doc | 0000063271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Title Company | RE TITLE AGENCY LLC, RB TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Document Number | 0000069481 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 15011/176 |
| Instrument | 2023-0069481 |
| Name | CENTER BANK |
|---|---|
| Type | Bank |
| Address | MILFORD, OH 45150 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 21, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000058287 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 14415/1075 |
| Instrument | 2021-0058287 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45217 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 11, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Document Number | 0000048060 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 JEFFERSON AVE ST BERNARD OH 452171712, ST BERNARD, OH 45217-1712 |
| Document Number | 0000048060 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 014173/002413 |
| Instrument | 48060 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 20, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 21, 2018 |
| Property Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Document Number | 0000103061 |
| Book / Page | 13800 / 00691 |
| Map Reference | VOL 2 PG 33&34 |
| Instrument Date | Nov 13, 2018 |
| Instrument | 2018-0103061 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | NORTHWEST TITLE FAMILY OF CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $288.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 413 JEFFERSON AVE, SAINT BERNARD, OH 45217-1712 |
| Document Number | 0000103062 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 2018-0103062 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2033 |
The 2025 property tax bill for 413 Jefferson Ave was $2,795, up 4.4% from the year before.
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | St. Bernard Village |
| Unified School District | St. Bernard-Elmwood Place City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,795.00 (+4.45%) | $45,452 (+%) Land $6,563 Building $38,889 | $129,860 Land $18,750 Building $111,110 |
| 2024 | $2,676.00 (-4.15%) | $45,450 (-) Land $6,562 Building $38,888 | |
| 2023 | $2,792.00 (+5.04%) | $45,450 (+35.26%) Land $6,562 Building $38,888 | $129,860 Land $18,750 Building $111,110 |
| 2022 | $2,658.00 Homeowner's exemption | $33,601 Land $5,121 Building $28,480 | |
| 2020 | $96,000 Land $14,630 Building $81,370 |
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 413 Jefferson Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.
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 | 4 in force |
| Nearby Flood Claims | 3 (2018–2026) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
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 risk around 413 Jefferson Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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 808 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 |
| Verizon Fixed Wireless | 300 / 20 |
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