3956 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3956 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,131 sqft · built 1954
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Mar 2022)
Tax Bill	$3,796 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-32-17D-165`

Property Details

APN / Parcel Number

Primary APN	`41-32-17D-165`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,131 sqft Living Area
1st Floor Area	871 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	15,682 sqft (0.36 acres)
View / Lot	Cul-de-sac
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3956 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
Census Tract	41202

Owner

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	3956 PHARO DR, CINCINNATI, OH 45245-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 27, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	20226619
Deed Book / Page	2913 / 3901
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Mar 7, 2022
Property Address	3956 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000006619
Book / Page	2913 / 3901
Instrument Date	Feb 15, 2022
Instrument	202200006619
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	14501 GEORGE CARTER WAY STE 300, 300, CHANTILLY, VA 20151-1788

Mortgage

Document Number	0000006620
Date	Mar 7, 2022
Instrument	202200006620

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Mortgage

Document Number	0000006621
Date	Mar 7, 2022
Book Page	2913/3920
Instrument	202200006621

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jul 27, 2021
Property Address	3956 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000024319
Book / Page	2889 / 591
Instrument Date	Jul 19, 2021
Instrument	202100024319
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,796.00 (-49.4%)	$75,430 (-) Land $16,590 Building $58,840
2024			$215,500 (-) Land $47,400 Building $168,100
2023	$7,502.00 (+244.92%) Homeowner's exemption	$75,430 (+106.6%) Land $16,590 Building $58,840	$215,500 (+106.62%) Land $47,400 Building $168,100
2022	$2,175.00	$36,510 Land $10,470 Building $26,040
2020			$104,300 Land $29,900 Building $74,400

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.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 274 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

May also be available: T-Mobile.

Nearby Properties on Pharo Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures