Clermont County property record for 3932 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,620 sqft · built 1950 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $6,000 (Jun 2013) |
| Tax Bill | $3,604 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-162 |
| Primary APN | 41-31-12A-162 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,157 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 32,670 sqft (0.75 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 530 sqft |
| Lean-To | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3932 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| 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 |
Source: Clermont County records, as of April 13, 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 Record |
|---|---|
| Mailing Address | 3932 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEMBA CU |
| Jan 2, 2019 | Deed of Trust, Mortgage · FHA Mortgage GOODMORTGAGE.COM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2013 · Amount on Record |
| Deed Sale | Jun 26, 2013 · Amount on Record |
| Prior Sale | Jun 11, 1996 · Amount on Record |
| Deed Document Number | 201319537 |
| Deed Book / Page | 2463 / 933 |
| Last Transfer Date | Aug 5, 2016 |
| Transfer Doc | 0000018011 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3932 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000010786 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3932 GARDNER LN CINCINNATI OH 452452302, CINCINNATI, OH 45245-2302 |
| Document Number | 0000010786 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 002808/005337 |
| Instrument | 10786 |
| Name | KEMBA CU |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 28, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3932 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000001089 |
| Instrument Date | Jan 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Title Company | ISGN |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3932 GARDNER LN CINCINNATI OH 452452302, CINCINNATI, OH 45245-2302 |
| Document Number | 0000001089 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 002800/001643 |
| Instrument | 1089 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | TYSONS CORNER, VA 22182 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2049 |
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 | $3,604.00 (-49.4%) | $71,610 (-) Land $18,690 Building $52,920 | |
| 2024 | $204,600 (-) Land $53,400 Building $151,200 | ||
| 2023 | $7,122.00 (+141.34%) Homeowner's exemption | $71,610 (+41.38%) Land $18,690 Building $52,920 | $204,600 (+41.4%) Land $53,400 Building $151,200 |
| 2022 | $2,951.00 Homeowner's exemption | $50,650 Land $13,130 Building $37,520 | |
| 2020 | $144,700 Land $37,500 Building $107,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 54 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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