3808 Bear Ln, Cleves, OH 45002 Property Records

Hamilton County property record for 3808 Bear Ln, Cleves, OH 45002

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,552 sqft · built 2005
Lot Size	0.383 acres (16,727 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Mar 2007)
Tax Bill	$6,452 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`570-0160-0244-00`

Property Details

APN / Parcel Number

Primary APN	`570-0160-0244-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,552 sqft Living Area
1st Floor Area	1,298 sqft
2nd Floor Area	1,254 sqft
Basement Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	16,727 sqft (0.383 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3808 BEAR LN
City	CLEVES
State	OH
Zip	45002-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEAR LANE 0.384 AC LOT 202 INDIAN WALK SUB PHASE II BLK B
Legal Subdivision	INDIAN WALK SUB
Legal Phase	2
Legal Block	B
Legal Lot Number	202
Jurisdiction	HAMILTON OH
Township / Civil Division	MIAMI
Census Block Group	4
Census Block	4000
Census Tract	20403

Owner

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

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
Co-owner	Verified Secondary Owner
Mailing Address	3808 BEAR LN, CLEVES, OH 45002-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 22, 2007 · Amount on Record
Deed Sale	Mar 22, 2007 · Amount on Record
Prior Sale	Apr 11, 2005
Deed Document Number	120354
Deed Book / Page	10500 / 02001
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3808 BEAR LN, CLEVES, OH 45002-1414
Document Number	0000061229
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3808 BEAR LN CLEVES OH 450021414, CLEVES, OH 45002-1414

Mortgage

Document Number	0000061229
Date	Jul 29, 2019
Book Page	013968/000794
Instrument	61229

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 28, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Miami Township
Unified School District	Three Rivers Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,452.00 (+12.17%)	$118,972 (-) Land $22,610 Building $96,362
2024	$5,752.00 (+3.64%)	$118,972 (-) Land $22,610 Building $96,362
2023	$5,550.00 (-10.09%)	$118,972 (+14.84%) Land $22,610 Building $96,362	$339,920 (+14.84%) Land $64,600 Building $275,320
2022	$6,173.00 Homeowner's exemption	$103,601 Land $38,826 Building $64,775
2020			$296,000 Land $110,930 Building $185,070

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1978–2005)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jan 2005 · river or lake flooding

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 205 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
T-Mobile Fixed Wireless	100 / 20