4227 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4227 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1934
Lot Size	0.102 acres (4,443 sqft)
Owner	Individual Name on Record
Last Sale	$113,500 (Nov 2002)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0101-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0101-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	668 sqft
2nd Floor Area	644 sqft
Basement Area	668 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	4,443 sqft (0.102 acres)
Lot Dimensions	130 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4227 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDING AV 45 X 130.08 IRR PTS LOTS 87-88-89-90 GRILEYS 2ND ADDN
Legal Subdivision	GRILEYS 2ND ADDN TO CHEVIOT
Legal Lot Number	87-88
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2006
Census Tract	20901

Owner

Source: Hamilton County records, as of January 21, 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	4227 HARDING AVE, CINCINNATI, OH 45211-4505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 5, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Aug 18, 2020	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2002 · Amount on Record
Deed Sale	Nov 20, 2002 · Amount on Record
Prior Sale	Jan 7, 1999 · Amount on Record
Deed Document Number	2002230741
Deed Book / Page	9088 / 408
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4227 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4227 HARDING AVE, CINCINNATI, OH 45211-4505

Mortgage

Document Number	0000034871
Date	Apr 5, 2022
Book Page	14639/1849
Instrument	2022-0034871

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Nov 25, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4227 HARDING AVE, CINCINNATI, OH 45211-4505
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034870
Date	Apr 5, 2022
Book Page	14639/1844
Instrument	2022-0034870

Lender

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

Agreement

Amount	Amount Recorded
Term	236 Months
Due	Dec 1, 2041

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4227 HARDING AVE, CINCINNATI, OH 45211-4505
Document Number	0000096617
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4227 HARDING AVENUE CINCINNATI CINCINNATI OH 45211, CINCINNATI, OH 45211

Mortgage

Document Number	0000096617
Date	Sep 21, 2020
Book Page	014257/004730
Instrument	96617

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2040

Tax Assessment & Valuation

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	$2,724.00 (+2.75%)	$43,680 (-) Land $8,820 Building $34,860	$124,800 (-) Land $25,200 Building $99,600
2024	$2,651.00 (-1.92%)	$43,680 (-) Land $8,820 Building $34,860
2023	$2,703.00 (+35.62%)	$43,680 (+56.68%) Land $8,820 Building $34,860	$124,800 (+56.69%) Land $25,200 Building $99,600
2022	$1,993.00 Homeowner's exemption	$27,878 Land $4,351 Building $23,527
2020			$79,650 Land $12,430 Building $67,220

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	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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