4207 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4207 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,549 sqft · built 1923
Lot Size	0.159 acres (6,926 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Dec 2025)
Tax Bill	$2,258 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0058-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0058-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,549 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	1,003 sqft
2nd Floor Area	546 sqft
Basement Area	1,003 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,926 sqft (0.159 acres)
Lot Dimensions	144 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4207 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4207 HARDING AVE 48 X 144.20 LOT 29 GRILEY SUB LOT 3 ROBBS
Legal Subdivision	GRILEY SUB
Legal Lot Number	29,3
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2006
Census Tract	20901

Owner

4207 Harding Ave is owned and occupied by two individuals who bought it in December 2025.

Source: Hamilton County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2025	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Dec 16, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 16, 2021	Affidavit of Death of Joint Tenant, Transfer
Sep 16, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Deed Document Number	202598254
Deed Book / Page	15563 / 1624
Prior Transfer Date	Sep 14, 2021
Prior Transfer Doc	0000112025
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000004749
Date	Jan 23, 2025
Book Page	15338/205
Instrument	2025-0004749

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2045

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 16, 2025
Property Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000098254
Book / Page	15563 / 1624
Map Reference	MB 25 PG 69
Instrument Date	Dec 16, 2025
Instrument	2025-0098254
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	LTOC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1207 HARDING AVENUE, CINCINNATI, OH 45211

Mortgage

Document Number	0000098255
Date	Dec 16, 2025
Instrument	2025-0098255

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	0000098256
Date	Dec 16, 2025
Book Page	15563/1644
Instrument	2025-0098256

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43085

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Sep 16, 2021
Property Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000112025
Book / Page	14503 / 3261
Map Reference	MB 25 PG 69
Instrument Date	Sep 14, 2021
Instrument	2021-0112025
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 16, 2021
Property Address	4207 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000112026
Book / Page	14503 / 3264
Map Reference	MB 25 PG 69
Instrument Date	Sep 14, 2021
Instrument	2021-0112026
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 4207 Harding Ave was $2,258 with a homeowner's exemption, up 2.5% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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	$2,258.00 (+2.54%) Homeowner's exemption	$46,390 (+%) Land $8,068 Building $38,322	$132,540 Land $23,050 Building $109,490
2024	$2,202.00 (-4.14%) Homeowner's exemption	$46,388 (-) Land $8,067 Building $38,321
2023	$2,297.00 (+41.35%) Homeowner's exemption	$46,388 (+46.98%) Land $8,067 Building $38,321	$132,540 Land $23,050 Building $109,490
2022	$1,625.00 Homeowner's exemption	$31,560 Land $7,630 Building $23,930
2020			$90,170 Land $21,800 Building $68,370

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

Flood

FEMA maps place 4207 Harding 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.

Wildfire

The area around 4207 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.

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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