4354 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4354 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,132 sqft · built 1927
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$66,500 (Jul 2007)
Tax Bill	$1,853 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0008-0002-00`

Property Details

APN / Parcel Number

Primary APN	`551-0008-0002-00`
Alternative APN	`68727719`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	1,964 sqft
1st Floor Area	832 sqft
Attic	Attic
Attic Area	300 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	161 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	4354 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	HARDING AVE 50 X 161.46 LOT 68 GRILEY 2ND ADDN TOCHVT
Legal Subdivision	GRILEY 2ND ADDN TO CHVT
Legal Lot Number	68
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	2
Census Block	2001
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	4354 HARDING AVE, CINCINNATI, OH 45211-4406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2007 · Amount on Record
Deed Sale	Jul 20, 2007 · Amount on Record
Prior Sale	Apr 26, 2007 · Amount on Record
Deed Document Number	2007104835
Deed Book / Page	10604 / 73
Prior Transfer Date	Jan 31, 2005
Prior Transfer Doc	0000000163
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 2, 2020
Property Address	4354 HARDING AVE, CINCINNATI, OH 45211-4406
Document Number	0000089144
Book / Page	014245 / 002933
Instrument Date	Aug 4, 2020
Instrument	89144
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 HARDING AVE CINCINNATI OH 452114406, CINCINNATI, OH 45211-4406

Mortgage

Document Number	89145
Date	Sep 2, 2020
Book Page	014245/002936
Instrument	89145

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$1,853.00 (+2.94%)	$29,750 (-) Land $8,834 Building $20,916	$85,000 (-) Land $25,240 Building $59,760
2024	$1,800.00 (-2.07%)	$29,750 (-) Land $8,834 Building $20,916
2023	$1,838.00 (-2.29%)	$29,750 (+12.86%) Land $8,834 Building $20,916	$85,000 (+12.87%) Land $25,240 Building $59,760
2022	$1,881.00 Homeowner's exemption	$26,359 Land $8,355 Building $18,004
2020			$75,310 Land $23,870 Building $51,440

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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