4349 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4349 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,509 sqft · built 1920
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Sep 2026)
Tax Bill	$2,796 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0020-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	860 sqft
Attic	Attic
Attic Area	399 sqft
Basement Area	871 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Frame Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	156 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4349 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4349 HARDING AVE 50 X 156LOT 72 GRILEYS 2ND ADDN TO CHEVIOT
Legal Subdivision	GRILEYS 2ND ADDN TO CHEVIOT
Legal Lot Number	72
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2007
Census Tract	20901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4349 HARDING AVE, CINCINNATI, OH 45211-4405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage LOAN STORE
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 4, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jun 3, 2025 · Amount on Record
Deed Document Number	202675599
Deed Book / Page	15749 / 1157
Prior Transfer Date	Apr 27, 2010
Prior Transfer Doc	0000000838
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 14, 2026
Property Address	4349 HARDING AVE, CINCINNATI, OH 45211-4405
Document Number	0000075599
Book / Page	15749 / 1157
Instrument Date	Sep 11, 2026
Instrument	202675599
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	4349 HARDING AVE, CINCINNATI, OH 45211-4405

Mortgage

Document Number	0000075600,
Date	Sep 14, 2026
Book Page	15749/1159
Instrument	202675600

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4349 HARDING AVE, CINCINNATI, OH 45211-4405
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006649
Date	Jul 31, 2018
Instrument	18-0066649

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 4, 2018
Property Address	4349 HARDING AVE, CINCINNATI, OH 45211-4405
Document Number	0000106112
Book / Page	013807 / 000654
Instrument Date	Nov 26, 2018
Instrument	106112
Transaction Type	Transfer
Record Updated	Jan 23, 2019
Title Company	RIVERTOWNE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$365.04
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4349 HARDING AVE CINCINNATI OH 452114405, CINCINNATI, OH 45211-4405

Mortgage

Document Number	106113
Date	Dec 4, 2018
Book Page	013807/000656
Instrument	106113

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

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	$2,796.00 (+3.82%)	$44,496 (-) Land $8,747 Building $35,749	$127,130 (-) Land $24,990 Building $102,140
2024	$2,693.00 (-2.04%)	$44,496 (-) Land $8,747 Building $35,749
2023	$2,749.00 (-9.57%)	$44,496 (+4.48%) Land $8,747 Building $35,749	$127,130 (+4.48%) Land $24,990 Building $102,140
2022	$3,040.00 Homeowner's exemption	$42,589 Land $8,271 Building $34,318
2020			$121,680 Land $23,630 Building $98,050

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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