Clermont County property record for 3923 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 959 sqft · built 1949 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $58,000 (May 2011) |
| Tax Bill | $2,846 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-104 |
| Primary APN | 41-31-12A-104 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 959 sqft Living Area |
| 1st Floor Area | 959 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 30,492 sqft (0.7 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Detached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 332 sqft |
| Deck Area | 403 sqft |
| Patio Area | 289 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3923 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3923 Gardner Ln is owned and occupied by an individual who acquired it in June 2013.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3923 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2011 · Amount on File |
| Deed Sale | May 19, 2011 · Amount on File |
| Prior Sale | Jul 20, 2010 · Amount on File |
| Deed Document Number | 201111638 |
| Deed Book / Page | 2310 / 1938 |
| Last Transfer Date | Jun 20, 2013 |
| Transfer Doc | 0000018854 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3923 Gardner Ln was $2,846 with a homeowner's exemption.
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,846.00 | $66,710 Land $18,410 Building $48,300 | |
| 2024 | $190,600 (-) Land $52,600 Building $138,000 | ||
| 2023 | $6,634.00 (+198.56%) Homeowner's exemption | $66,710 (+42.24%) Land $18,410 Building $48,300 | $190,600 Land $52,600 Building $138,000 |
| 2022 | $2,222.00 Homeowner's exemption | $46,900 Land $12,950 Building $33,950 | |
| 2020 | $134,000 Land $37,000 Building $97,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3923 Gardner Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3923 Gardner Ln is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 188 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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