3957 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3957 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1951
Lot Size	0.42 acres (18,469 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,182 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-42-04.-005`

Property Details

APN / Parcel Number

Primary APN	`41-42-04.-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	18,469 sqft (0.42 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	256 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3957 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHARO; LOT 5
Legal Subdivision	PHARO
Legal Lot Number	5
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	2 Individual Names on Record
Mailing Address	3957 PHARO DR, CINCINNATI, OH 45245-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 8, 2025	Transfer on Death Deed, Transfer
Sep 4, 2025	Affidavit of Death of Joint Tenant, Transfer
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 3, 2025
Transfer Doc	0000018153
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3957 PHARO DR, CINCINNATI, OH 45245-2205
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 PHARO DR, CINCINNATI, OH 45245-2205

Mortgage

Document Number	0000025274
Date	Oct 6, 2022
Book Page	2930/5805
Instrument	202200025274

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2052

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLERMONT OH
Recording Date	Sep 8, 2025
Property Address	3957 PHARO DR, CINCINNATI, OH 45245-2205
Document Number	0000018350
Book / Page	3002 / 1681
Map Reference	MB D PG 110
Instrument	202500018350
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 PHARO DR, CINCINNATI, OH 45245-2205

September 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLERMONT OH
Recording Date	Sep 4, 2025
Property Address	3957 PHARO DR, CINCINNATI, OH 45245-2205
Document Number	0000018153
Book / Page	3002 / 706
Map Reference	MB D PG 110
Instrument Date	Sep 3, 2025
Instrument	202500018153
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 PHARO DR, CINCINNATI, OH 45245-2205

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3957 PHARO DR, CINCINNATI, OH 45245-2205
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007754
Date	Apr 11, 2018
Book Page	2763/2007
Instrument	201800007754

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

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	$2,182.00 (-1%)	$53,520 (-) Land $14,420 Building $39,100
2024	$2,204.00 (-58.59%) Homeowner's exemption	$53,520 (-) Land $14,420 Building $39,100	$152,900 (-) Land $41,200 Building $111,700
2023	$5,323.00 (+261.13%) Homeowner's exemption	$53,520 (+57.13%) Land $14,420 Building $39,100	$152,900 (+57.14%) Land $41,200 Building $111,700
2022	$1,474.00 Homeowner's exemption	$34,060 Land $9,100 Building $24,960
2020			$97,300 Land $26,000 Building $71,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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