7316 Harding Ave, Cincinnati, OH 45231 Property Records

Hamilton County property record for 7316 Harding Ave, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,535 sqft · built 1941
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,590 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`593-0006-0062-00`

Property Details

APN / Parcel Number

Primary APN	`593-0006-0062-00`
Alternative APN	`0088880`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,535 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	670 sqft
2nd Floor Area	865 sqft
Basement Area	634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	7316 HARDING AVE
City	CINCINNATI
State	OH
Zip	45231-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	61 HARDING AVE 50 X 200 WS ALLEY 299.70 FT S OF MADISON
Jurisdiction	HAMILTON OH
Township / Civil Division	MOUNT HEALTHY
Census Block Group	1
Census Block	1007
Census Tract	21701

Owner

7316 Harding Ave is owned and occupied by two individuals who acquired it in April 1995.

Source: Hamilton County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7316 HARDING AVE, CINCINNATI, OH 45231-4223
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 1995
Deed Sale	Apr 20, 1995
Deed Document Number	199549946
Deed Book / Page	6737 / 851
Record Updated	Oct 29, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	7316 HARDING AVE, CINCINNATI, OH 45231-4223
Document Number	0000108155
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7316 HARDING AVE CINCINNATI OH 452314223, CINCINNATI, OH 45231-4223

Mortgage

Document Number	0000108155
Date	Dec 6, 2019
Book Page	014058/001255
Instrument	108155

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	480 Months
Due	Dec 5, 2059

Interest

Rate Type	Fixed Rate
Rate	7.25%

Tax Assessment & Valuation

The 2025 property tax bill for 7316 Harding Ave was $2,590, down 2.6% from the year before.

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	$2,590.00 (-2.63%)	$48,423 (-) Land $9,762 Building $38,661	$138,350 Land $27,890 Building $110,460
2024	$2,660.00 (+1.03%)	$48,423 (-) Land $9,762 Building $38,661
2023	$2,633.00 (+6.17%)	$48,423 (+47.92%) Land $9,762 Building $38,661	$138,350 Land $27,890 Building $110,460
2022	$2,480.00	$32,736 Land $9,212 Building $23,524
2020			$93,530 Land $26,320 Building $67,210

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

FEMA maps place 7316 Harding Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7316 Harding Ave is low, with less than a 0.01% annual chance of 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 519 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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