4223 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4223 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,256 sqft · built 1931
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Nov 2022)
Tax Bill	$3,926 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0098-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0098-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,256 sqft Living Area
1st Floor Area	628 sqft
2nd Floor Area	628 sqft
Basement Area	628 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1931
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	126 ft deep x 28 ft wide
Garage Type	Detached
Garage Area	180 sqft
Porch	Porch
Porch Area	72 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4223 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28.30 X 126 IRR PT LOTS 88-89-90 F L GRILEYS 2ND
Legal Subdivision	F L GRILEYS 2ND
Legal Lot Number	88-89-9 89
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2006
Census Tract	20901

Owner

4223 Harding Ave is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4223 HARDING AVE, CINCINNATI, OH 45211-4505
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage EAGLE BANK
Jan 22, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	Jan 29, 2013 · Amount on File
Deed Document Number	0000107795
Deed Book / Page	14799 / 728
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 22, 2022
Property Address	4223 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000107795
Book / Page	14799 / 728
Map Reference	MB 26 PG 3
Instrument Date	Nov 17, 2022
Instrument	2022-0107795
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	FIRST TITLE COMPANY, FIRST TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000107796
Date	Nov 22, 2022
Instrument	2022-0107796

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	10%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4223 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000009565
Date	Jan 22, 2021
Book Page	14339/462
Instrument	2021-0009565

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Feb 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 4223 Harding Ave was $3,926, up 2.9% from the year before.

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	$3,926.00 (+2.91%)	$63,000 (-) Land $8,820 Building $54,180
2024	$3,815.00 (-2.03%)	$63,000 (-) Land $8,820 Building $54,180
2023	$3,894.00 (+118.15%)	$63,000 (+152.13%) Land $8,820 Building $54,180	$180,000 Land $25,200 Building $154,800
2022	$1,785.00 Homeowner's exemption	$24,987 Land $4,351 Building $20,636
2020			$71,390 Land $12,430 Building $58,960

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 4223 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

Wildfire risk around 4223 Harding 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	None beyond 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 492 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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