6435 Ridge Ave, Cincinnati, OH 45213 Property Records

Hamilton County property record for 6435 Ridge Ave, Cincinnati, OH 45213

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,168 sqft · built 1922
Lot Size	0.27 acres (11,770 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Nov 2018)
Tax Bill	$6,951 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-0001-0103-00`

Property Details

APN / Parcel Number

Primary APN	`122-0001-0103-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,168 sqft Living Area
1st Floor Area	1,208 sqft
2nd Floor Area	960 sqft
Basement Area	1,040 sqft
Finished Basement	800 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	11,770 sqft (0.27 acres)
Lot Dimensions	156 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	6435 RIDGE AVE
City	CINCINNATI
State	OH
Zip	45213-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE AV E 0.2702 AC R2 T4 S30
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3000
Census Tract	5701

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
Co-owner	Co-owner on Record
Mailing Address	6435 RIDGE AVE, CINCINNATI, OH 45213-1350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Nov 20, 2018	Warranty Deed, Transfer · ARM GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Feb 20, 2013
Deed Document Number	2018-0102575
Deed Book / Page	13799 / 01001
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	6435 RIDGE AVE, CINCINNATI, OH 45213-1350
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032059
Date	Mar 15, 2021
Book Page	14374/227
Instrument	2021-0032059

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 20, 2018
Property Address	6435 RIDGE AVE, CINCINNATI, OH 45213-1350
Document Number	0000102575
Book / Page	13799 / 01001
Instrument Date	Aug 18, 2018
Instrument	2018-0102575
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000102576
Date	Nov 20, 2018
Instrument	2018-0102576

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,951.00 (+3.12%)	$148,782 (-) Land $24,462 Building $124,320
2024	$6,741.00 (-2.21%)	$148,782 (-) Land $24,462 Building $124,320
2023	$6,893.00 (+3.08%)	$148,782 (+13.91%) Land $24,462 Building $124,320	$425,090 (+13.91%) Land $69,890 Building $355,200
2022	$6,687.00 Homeowner's exemption	$130,610 Land $18,456 Building $112,154
2020			$373,170 Land $52,730 Building $320,440

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 96% of the US · lower than 81% 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 417 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
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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