7224 Bernard Ave, Cincinnati, OH 45231 Property Records

Hamilton County property record for 7224 Bernard Ave, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,332 sqft · built 1948
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on Record
Last Sale	$175,500 (Sep 2026)
Tax Bill	$2,248 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`593-0008-0233-00`

Property Details

APN / Parcel Number

Primary APN	`593-0008-0233-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	900 sqft
Attic	Attic
Attic Area	432 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	192 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	7224 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45231-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 50 X 192 LOT 146 SUNSET HTS SUB
Legal Subdivision	SUNSET HTS SUB
Legal Lot Number	146
Jurisdiction	HAMILTON OH
Township / Civil Division	MOUNT HEALTHY
Census Block Group	2
Census Block	2010
Census Tract	21702

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	Individual Name on Record
Mailing Address	7224 BERNARD AVE, CINCINNATI, OH 45231-5514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK
Oct 16, 2017	Deed of Trust, Mortgage NEW HORIZON CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Sep 23, 1999 · Amount on Record
Deed Document Number	202678477
Deed Book / Page	15756 / 861
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 23, 2026
Property Address	7224 BERNARD AVE, CINCINNATI, OH 45231-5514
Document Number	0000078477
Book / Page	15756 / 861
Instrument Date	Sep 22, 2026
Instrument	202678477
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	ABSOLUTE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,451.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7224 BERNARD AVE, CINCINNATI, OH 45231-5514

Mortgage

Document Number	0000078478,
Date	Sep 23, 2026
Instrument	202678478

Lender

Name	PEOPLES BANK

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%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	7224 BERNARD AVE, CINCINNATI, OH 45231-5514
Document Number	0000096639
Book / Page	013528 / 001802
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7224 BERNARD AVE CINCINNATI OH 452315514, CINCINNATI, OH 45231-5514

Mortgage

Document Number	0000096639
Date	Oct 20, 2017
Book Page	013528/001802
Instrument	96639

Lender

Name	NEW HORIZON CU
Type	Credit Union
Address	CINCINNATI, OH 45202

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 19, 2037

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,248.00 (+0.04%)	$43,096 (-) Land $7,203 Building $35,893	$123,130 (-) Land $20,580 Building $102,550
2024	$2,247.00 (-0.84%)	$43,096 (-) Land $7,203 Building $35,893
2023	$2,266.00 (+11.52%)	$43,096 (+55.84%) Land $7,203 Building $35,893	$123,130 (+55.84%) Land $20,580 Building $102,550
2022	$2,032.00 Homeowner's exemption	$27,654 Land $5,814 Building $21,840
2020			$79,010 Land $16,610 Building $62,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1983 · rainfall accumulation

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 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 486 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	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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