4445 Harding Ave, Cincinnati, OH 45211 Property Records

Hamilton County property record for 4445 Harding Ave, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1949
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`550-0120-0083-00`

Property Details

APN / Parcel Number

Primary APN	`550-0120-0083-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 1949
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	147 ft deep x 78 ft wide
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4445 HARDING AVE
City	CINCINNATI
State	OH
Zip	45211-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONDORF & HARDING AVE 78.06 X 147.02 PT LOT 100 GAMBLES
Legal Subdivision	GAMBLES BRIDGETOWN
Legal Lot Number	100
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	3
Census Block	3003
Census Tract	20901

Owner

Source: Hamilton County records, as of February 9, 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	4445 HARDING AVE, CINCINNATI, OH 45211-4407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 12, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 1990
Deed Sale	Jan 1, 1990
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4445 HARDING AVE, CINCINNATI, OH 45211-4407
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4445 HARDING AVE, CINCINNATI, OH 45211-4407

Mortgage

Document Number	0000015484
Date	Mar 8, 2024
Book Page	15119/873
Instrument	2024-0015484

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 6, 2064

Interest

Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	4445 HARDING AVE, CINCINNATI, OH 45211-4407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052413
Date	Jun 12, 2017
Instrument	17-0052413

Lender

Name	PNC BANK NA
Type	Bank
Address	CINCINNATI, OH 45211

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Oak Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,241.00 (+1.8%) Homeowner's exemption	$44,023 (-) Land $10,829 Building $33,194
2024	$1,219.00 (-31.29%) Homeowner's exemption	$44,023 (-) Land $10,829 Building $33,194
2023	$1,774.00 (+21.34%) Homeowner's exemption	$44,023 (+33.16%) Land $10,829 Building $33,194	$125,780 (+33.16%) Land $30,940 Building $94,840
2022	$1,462.00 Homeowner's exemption	$33,061 Land $9,667 Building $23,394
2020			$94,460 Land $27,620 Building $66,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Not rated no burnable land within 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 579 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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