Clermont County property record for 3909 McGary Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,692 sqft · built 1963 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Jun 2017) |
| Tax Bill | $3,405 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-48-05.-026 |
| Primary APN | 41-48-05.-026 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,692 sqft Living Area |
| 1st Floor Area | 820 sqft |
| Basement Area | 820 sqft |
| Finished Basement | 820 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,064 sqft (0.254 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 264 sqft |
| Patio Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3909 MCGARY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WITHAM WOODS SEC 1; LOT 26 |
| Legal Subdivision | WITHAM WOODS SEC 1 |
| Legal Lot Number | 26 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41201 |
Source: Clermont County records · APN 41-48-05.-026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3909 MCGARY DR, CINCINNATI, OH 45245-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 06, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 22, 2017 | Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on Record |
| Deed Sale | Jun 22, 2017 · Amount on Record |
| Prior Sale | Sep 20, 1999 · Amount on Record |
| Deed Document Number | 201713839 |
| Deed Book / Page | 2712 / 1 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3909 MCGARY DR, CINCINNATI, OH 45245-2414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027580 |
|---|---|
| Date | Oct 06, 2020 |
| Book Page | 2854/2058 |
| Instrument | 202000027580 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Aug 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 22, 2017 |
| Property Address | 3909 MCGARY DR, CINCINNATI, OH 45245-2414 |
| Document Number | 0000013839 |
| Book / Page | 002712 / 000001 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 13839 |
| Transaction Type | Transfer |
| Record Updated | Jul 04, 2017 |
| Title Company | TITLE ONE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $688.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3909 MCGARY DR CINCINNATI OH 452452414, CINCINNATI, OH 45245-2414 |
| Document Number | 13840 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 002712/000003 |
| Instrument | 13840 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2047 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local 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 | $3,405.00 (-49.4%) | $67,660 (-) Land $11,130 Building $56,530 | |
| 2024 | $193,300 (-) Land $31,800 Building $161,500 | ||
| 2023 | $6,729.00 (+125.58%) Homeowner's exemption | $67,660 (+32.12%) Land $11,130 Building $56,530 | $193,300 (+32.13%) Land $31,800 Building $161,500 |
| 2022 | $2,983.00 Homeowner's exemption | $51,210 Land $8,400 Building $42,810 | |
| 2020 | $146,300 Land $24,000 Building $122,300 |
Source: FEMA National Flood Hazard Layer as of February 6, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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; flood claims are located to the census block group, not this parcel; 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 272 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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