7318 Bernard Ave, Cincinnati, OH 45231 Property Records

Hamilton County property record for 7318 Bernard Ave, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,477 sqft · built 1947
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Dec 2020)
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Dec 2020 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`593-0008-0218-00`

Property Details

APN / Parcel Number

Primary APN	`593-0008-0218-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,477 sqft Living Area
1st Floor Area	864 sqft
2nd Floor Area	613 sqft
Upper Floors Area	613 sqft
Basement Area	955 sqft
Finished Basement	200 sqft

Exterior

Year Built	Built 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	192 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	91 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	7318 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45231-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 45 X 192 PTS LOTS 130-131 SUNSET HGTS PARS 218-362 CONS
Legal Subdivision	SUNSET HEIGHTS
Legal Lot Number	130-131 131
Jurisdiction	HAMILTON OH
Township / Civil Division	MOUNT HEALTHY
Census Block Group	2
Census Block	2007
Census Tract	21702

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	7318 BERNARD AVE, CINCINNATI, OH 45231-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Deed Document Number	2020-0130848
Deed Book / Page	14314 / 1319
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 14, 2020
Property Address	7318 BERNARD AVE, CINCINNATI, OH 45231-4404
Document Number	0000130848
Book / Page	14314 / 1319
Map Reference	MB 32 PG 80&81
Instrument Date	Nov 25, 2020
Instrument	2020-0130848
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7318 BERNARD AVE, CINCINNATI, OH 45231-4404

Mortgage

Document Number	0000130849
Date	Dec 14, 2020
Instrument	2020-0130849

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

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	$2,184.00 (-2.11%)	$40,600 (-) Land $6,482 Building $34,118
2024	$2,231.00 (+1.04%)	$40,600 (-) Land $6,482 Building $34,118
2023	$2,208.00 (+2.08%)	$40,600 (+37.83%) Land $6,482 Building $34,118	$116,000 (+37.83%) Land $18,520 Building $97,480
2022	$2,163.00 Homeowner's exemption	$29,457 Land $5,233 Building $24,224
2020			$84,160 Land $14,950 Building $69,210

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

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 96% of the US · lower than 81% 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 500 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20