4316 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4316 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 858 sqft · built 1950
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Sep 2023)
Tax Bill	$3,990 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0288-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0288-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	858 sqft Living Area
1st Floor Area	858 sqft
Basement Area	1,807 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	159 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4316 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDING AVE45 X 159.85 IRR PT LOT 58GRILEYS 2ND ADDN TO CHEVIOT SUBPARS 288-348 CONS
Legal Subdivision	ADDN TO CHEVIOT SUB
Legal Lot Number	58
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2001
Census Tract	20901

Owner

4316 Harding Ave is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4316 HARDING AVE, CINCINNATI, OH 45211-4406
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
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jul 6, 2023	Warranty Deed, Transfer
Jun 26, 2018	Fiduciary Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Jul 6, 2023 · Amount on File
Deed Document Number	0000066537
Deed Book / Page	15003 / 607
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 19, 2023
Property Address	4316 HARDING AVE, CINCINNATI, OH 45211-4406
Document Number	0000066537
Book / Page	15003 / 607
Map Reference	MB 26 PG 3
Instrument Date	Sep 14, 2023
Instrument	2023-0066537
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
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	4316 HARDING AVE, CINCINNATI, OH 45211-4406

Mortgage

Document Number	0000066538
Date	Sep 19, 2023
Instrument	2023-0066538

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 6, 2023
Property Address	4316 HARDING AVE, CINCINNATI, OH 45211-4406
Document Number	0000046175
Book / Page	14951 / 246
Map Reference	MB 26 PG 3
Instrument Date	Jun 30, 2023
Instrument	2023-0046175
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount on Record
Tax	$92.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7262 THOMAS DR, CINCINNATI, OH 45243-2141

June 2018: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 26, 2018
Property Address	4316 HARDING AVE, CINCINNATI, OH 45211-4406
Document Number	0000004734
Map Reference	MB23 PG3
Instrument Date	Jun 15, 2018
Instrument	18-0054734
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	NORTHWEST TITLE FAMILY OF CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4316 HARDING AVE, CINCINNATI, OH 45211-4406

Mortgage

Document Number	0000004736
Date	Jun 26, 2018
Instrument	18-0054736

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4316 Harding Ave was $3,990, 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	$3,990.00 (+2.91%)	$64,050 (-) Land $7,948 Building $56,102
2024	$3,877.00 (+67.04%)	$64,050 (+70.52%) Land $7,948 Building $56,102
2023	$2,321.00 (+6.81%)	$37,561 (+23.35%) Land $7,948 Building $29,613	$183,000 Land $22,710 Building $160,290
2022	$2,173.00 Homeowner's exemption	$30,451 Land $7,515 Building $22,936
2020			$87,000 Land $21,470 Building $65,530

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 4316 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 4316 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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