Clermont County property record for 3352 Michelles Whisper, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,130 sqft · built 1999 |
| Lot Size | 2.46 acres (107,201 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,287 (Dec 1999) |
| Tax Bill | $5,765 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Apr 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-28-12A-137 |
| Primary APN | 27-28-12A-137 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,130 sqft Living Area |
| 1st Floor Area | 2,130 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 107,201 sqft (2.46 acres) |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 64 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3352 MICHELLES WHISPER |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-3132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MICHELLE'S WHISPER; LOT 6 |
| Legal Subdivision | MICHELLE'S WHISPER |
| Legal Lot Number | 6 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 41506 |
Source: Clermont County records · APN 27-28-12A-137
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3352 MICHELLES WHISPER, CINCINNATI, OH 45245-3132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Apr 28, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Dec 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 22, 1999 · Amount on Record |
| Deed Sale | Dec 22, 1999 · Amount on Record |
| Prior Sale | Sep 29, 1998 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3352 MICHELLES WHISPER, CINCINNATI, OH 45245-3132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025729 |
|---|---|
| Date | Nov 02, 2017 |
| Instrument | 201700025729 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3352 MICHELLES WHISPER, CINCINNATI, OH 45245-3132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009954 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 2836/4505 |
| Instrument | 202000009954 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 25, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3352 MICHELLES WHISPER, CINCINNATI, OH 45245-3132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037284 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 2864/1617 |
| Instrument | 202000037284 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Pierce Township |
| Unified School District | New Richmond Exempted Village School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,765.00 (-47.64%) | $133,070 (-) Land $36,890 Building $96,180 | |
| 2024 | $380,200 (-) Land $105,400 Building $274,800 | ||
| 2023 | $11,011.00 (+133.68%) Homeowner's exemption | $133,070 (+43.3%) Land $36,890 Building $96,180 | $380,200 (+43.31%) Land $105,400 Building $274,800 |
| 2022 | $4,712.00 Homeowner's exemption | $92,860 Land $25,760 Building $67,100 | |
| 2020 | $265,300 Land $73,600 Building $191,700 |
Source: FEMA National Flood Hazard Layer, Clermont County (39025C), as of February 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 28 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OH1302212, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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