Clermont County property record for 3950 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1957 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $236,000 (Sep 2026) |
| Tax Bill | $2,193 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-192 |
| Primary APN | 41-31-12A-192 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Lot Area | 32,670 sqft (0.75 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 460 sqft |
|---|---|
| Patio Area | 460 sqft |
| Canopy | 108 sqft |
| Poultry House | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3950 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | NICHOLS |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
Source: Clermont County records, as of October 9, 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 | 3950 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on Record |
| Deed Sale | Sep 25, 2026 · Amount on Record |
| Prior Sale | May 7, 2004 · Amount on Record |
| Deed Document Number | 202622253 |
| Deed Book / Page | 3034 / 5317 |
| Prior Transfer Date | May 3, 2004 |
| Prior Transfer Doc | 0000019383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Sep 25, 2026 |
| Property Address | 3950 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000022253 |
| Book / Page | 3034 / 5317 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202622253 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95,344.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3950 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000022254, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 202622254 |
| Name | FIRST FINANCIAL NW BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000022255, |
|---|---|
| Date | Sep 25, 2026 |
| Book Page | 3034/5335 |
| Instrument | 202622255 |
| Name | FIRST FINANCIAL NW BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
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 | $2,193.00 (-65.48%) | $63,880 (-) Land $18,690 Building $45,190 | |
| 2024 | $182,500 (-) Land $53,400 Building $129,100 | ||
| 2023 | $6,353.00 (+298.31%) Homeowner's exemption | $63,880 (+42.34%) Land $18,690 Building $45,190 | $182,500 (+42.36%) Land $53,400 Building $129,100 |
| 2022 | $1,595.00 Homeowner's exemption | $44,880 Land $13,130 Building $31,750 | |
| 2020 | $128,200 Land $37,500 Building $90,700 |
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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