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4302 Harding Ave, Cincinnati, OH, 45211

3beds
1baths
1,169sqft
$189,900
$162price/sqft
$1,503/moest. monthly cost
$60,120/yrincome needed

About This Home

Charming Craftsman bungalow featuring fresh paint throughout, both inside and out. The entire first floor boasts brand-new Carrboro Oak Stainmaster® waterproof luxury vinyl plank flooring, along with an updated bathroom vanity. Major updates include a new furnace (2015), siding (2016), and roof (2018). Enjoy the fully fenced backyard with durable metal fencing, plus a detached garage, driveway parking, and additional on-street parking. All appliances stay, including the basement treadmill and pull-up bar! Conveniently located near downtown, restaurants, shopping, and public transportation. Occupancy at closing.

Getting Around

62
WalkingSomewhat Walkable
45
TransitSome Transit
32
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1926

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block,Vinyl Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman/Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Microwave,Oven/Range,Refrigerator,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Concrete,Walk-Out Access,Glass Blk Wind

Bathroom1

  • Features: Full
  • Level: First

Bedroom2

  • Level: Second
  • Area: 154

Bedroom3

  • Level: Second
  • Area: 140

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Window Treatment,Formal
  • Level: First
  • Area: 156

Family Room

  • Area: 0

Features

  • Window features: Vinyl

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,169
  • Total interior livable area: 1,169 sqft

Kitchen

  • Features: Walkout,Wood Cabinets
  • Area: 80

Living Room

  • Features: Walkout,Window Treatment
  • Area: 180

Master Bathroom

  • Features: Tub w/Shower

Master Bedroom

  • Features: Window Treatment
  • Level: First
  • Area: 132

Office

  • Area: 0

Property

Accessibility

  • Accessibility features: No Accessibility Features

Details

  • Parcel number: 5510008001400
  • Zoning description: Residential

Features

  • Stories: 1
  • Fencing: Metal

Lot

  • Lot size: 7,971 sqft
  • Features: Less than .5 Acre
  • Lot size dimensions: 50 x 159.56

Parking

  • Total spaces: 1
  • Parking features: On Street,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Tornado

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $960$11,520
Home Insurance *$112$1,344
Property Taxes $238$2,856
Electricity $193$2,320
Total$1,503$18,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,531/yr
40% on housing$45,090/yr
45% on housing$40,080/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 45211$138
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45211$139
Hamilton County$165

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$184,900
2026-08-04Price change$184,900
2026-07-15Price change$189,900
2026-07-03Listed for sale$195,000
2015-08-07Sold$60,500
2015-05-21Pending sale$59,900
2015-04-27Listed for sale$59,900
2004-05-21Sold$45,000
2004-03-03Sold$56,000

For Sale by Agent

AgentApril R. Rummel
BrokerageLohmiller Real Estate

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