4209 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4209 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,354 sqft · built 1929
Lot Size	0.158 acres (6,926 sqft)
Owner	Individual Name on Record
Last Sale	$123,900 (Jul 2019)
Tax Bill	$3,056 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0059-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0059-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,092 sqft
Attic	Attic
Attic Area	262 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1929
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	6,926 sqft (0.158 acres)
Lot Dimensions	144 ft deep x 48 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4209 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4209 HARDING AVE 48 X 144.20 LOT 28 GRILEY LOT 3 ROBB FARM
Legal Subdivision	GRILEYS
Legal Lot Number	28
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2006
Census Tract	20901

Owner

Source: Hamilton County records, as of February 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHILDRENS MEDICAL CENTER FCU
Jul 8, 2019	Warranty Deed, Transfer · FHA Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Prior Sale	Nov 30, 2005 · Amount on Record
Deed Document Number	0000053975
Deed Book / Page	13953 / 02582
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000001541
Date	Jan 8, 2024
Book Page	15077/1008
Instrument	2024-0001541

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Jul 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000056721
Date	Jun 7, 2022
Book Page	14683/2657
Instrument	2022-0056721

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jul 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000133849
Date	Nov 4, 2021
Book Page	14538/180
Instrument	2021-0133849

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Jul 1, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017176
Date	Feb 24, 2017
Instrument	17-0017176

Lender

Name	CHILDRENS MEDICAL CENTER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 8, 2019
Property Address	4209 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000053975
Book / Page	13953 / 02582
Map Reference	MB 25 PG 69
Instrument Date	Jun 28, 2019
Instrument	2019-0053975
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$441.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0000053976
Date	Jul 8, 2019
Instrument	2019-0053976

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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	$3,056.00 (+2.93%)	$49,060 (-) Land $8,068 Building $40,992
2024	$2,969.00 (-2.05%)	$49,060 (-) Land $8,068 Building $40,992
2023	$3,031.00 (-2.1%)	$49,060 (+13.13%) Land $8,068 Building $40,992	$140,170 (+13.13%) Land $23,050 Building $117,120
2022	$3,096.00 Homeowner's exemption	$43,365 Land $7,630 Building $35,735
2020			$123,900 Land $21,800 Building $102,100

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.

Flood

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

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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