Clermont County property record for 3810 Arbor Ln, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,330 sqft · built 1993 |
| Lot Size | 0.609 acres (26,528 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $545,000 (Nov 2025) |
| Tax Bill | $7,041 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-57-18B-023 |
| Primary APN | 28-57-18B-023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,330 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Basement Area | 270 sqft |
| Unfinished Basement | 270 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 26,528 sqft (0.609 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 760 sqft |
|---|---|
| Patio Area | 652 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3810 ARBOR LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-5627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARD HILLS 2; LOT 23 |
| Legal Subdivision | VINEYARD HILLS 2 |
| Legal Lot Number | 23 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 41506 |
Source: Clermont County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3810 ARBOR LN, CINCINNATI, OH 45255-5627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | May 6, 2010 · Amount on Record |
| Deed Document Number | 202525037 |
| Deed Book / Page | 3009 / 725 |
| Prior Transfer Date | Oct 14, 2003 |
| Prior Transfer Doc | 0000066727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Nov 24, 2025 |
| Property Address | 3810 ARBOR LN, CINCINNATI, OH 45255-5627 |
| Document Number | 0000025037 |
| Book / Page | 3009 / 725 |
| Map Reference | CAB 4 PG 320-322 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 202500025037 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3810 ARBOR LN, CINCINNATI, OH 45255-5627 |
| Document Number | 0000025038 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 202500025038 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3810 ARBOR LN, CINCINNATI, OH 45255-5627 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001133 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 2865/5038 |
| Instrument | 202100001133 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Pierce Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,041.00 (+5.28%) | $130,800 (-) Land $23,660 Building $107,140 | |
| 2024 | $6,688.00 (-47.07%) Homeowner's exemption | $130,800 (-) Land $23,660 Building $107,140 | $373,700 (-) Land $67,600 Building $306,100 |
| 2023 | $12,636.00 (+129.87%) Homeowner's exemption | $130,800 (+40.22%) Land $23,660 Building $107,140 | $373,700 (+40.23%) Land $67,600 Building $306,100 |
| 2022 | $5,497.00 Homeowner's exemption | $93,280 Land $17,820 Building $75,460 | |
| 2020 | $266,500 Land $50,900 Building $215,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 6, 2010
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 122 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 |
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