7245 Bernard Ave, Cincinnati, OH 45231 Property Records

Hamilton County property record for 7245 Bernard Ave, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft · built 1947
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on File
Last Sale	$203,500 (Apr 2025)
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`593-0008-0172-00`

Property Details

APN / Parcel Number

Primary APN	`593-0008-0172-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	2,752 sqft
1st Floor Area	1,376 sqft
Basement Area	1,376 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	194 ft deep x 50 ft wide
Porch	Open Frame Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	7245 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45231-5513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 50 X 194.44 IRR LOT 161 SUNSET HTS SUB
Legal Subdivision	SUNSET HTS SUB
Legal Lot Number	161
Jurisdiction	HAMILTON OH
Township / Civil Division	MOUNT HEALTHY
Census Block Group	2
Census Block	2011
Census Tract	21702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	7245 BERNARD AVE, CINCINNATI, OH 45231-5513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 22, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 22, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025 · Amount on File
Deed Sale	Apr 22, 2025 · Amount on File
Prior Sale	Jan 30, 2025 · Amount on File
Deed Document Number	202529073
Deed Book / Page	15400 / 1482
Prior Transfer Date	Jun 29, 1995
Prior Transfer Doc	0000093362
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 22, 2025
Property Address	7245 BERNARD AVE, CINCINNATI, OH 45231-5513
Document Number	0000029073
Book / Page	15400 / 1482
Map Reference	MB 32 PG 80&81
Instrument Date	Apr 14, 2025
Instrument	2025-0029073
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7245 BERNARD AVE, CINCINNATI, OH 45231-5513

Mortgage

Document Number	0000029074
Date	Apr 22, 2025
Instrument	2025-0029074

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	7245 BERNARD AVE, CINCINNATI, OH 45231-5513
Document Number	0000059105
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2018
Title Company	CLEVELAND HOME TITLE INC, CLEVELAND HM TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7245 BERNARD AVE CINCINNATI OH 452315513, CINCINNATI, OH 45231-5513

Mortgage

Document Number	0000059105
Date	Jun 30, 2017
Book Page	013450/001200
Instrument	59105

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	852 Months
Due	Jun 29, 2088

Interest

Rate Type	Adjustable Rate
Rate	3.71%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	7245 BERNARD AVE, CINCINNATI, OH 45231-5513
Document Number	0000059106
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	CLEVELAND HOME TITLE INC, CLEVELAND HM TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7245 BERNARD AVE CINCINNATI OH 452315513, CINCINNATI, OH 45231-5513

Mortgage

Document Number	0000059106
Date	Jun 30, 2017
Book Page	013450/001214
Instrument	59106

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	852 Months
Due	Jun 29, 2088

Interest

Rate Type	Adjustable Rate

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	$2,342.00 (+42.46%)	$41,566 (-) Land $7,203 Building $34,363	$118,760 (-) Land $20,580 Building $98,180
2024	$1,644.00 (-3.35%) Homeowner's exemption	$41,566 (-) Land $7,203 Building $34,363
2023	$1,701.00 (+45.88%) Homeowner's exemption	$41,566 (+68.62%) Land $7,203 Building $34,363	$118,760 (+68.62%) Land $20,580 Building $98,180
2022	$1,166.00 Homeowner's exemption	$24,651 Land $5,814 Building $18,837
2020			$70,430 Land $16,610 Building $53,820

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 100 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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