Clermont County property record for 3959 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,048 sqft · built 1989 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $11,000 (Apr 1986) |
| Tax Bill | $3,893 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Mar 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-062 |
| Primary APN | 41-31-12A-062 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,048 sqft Living Area |
| 1st Floor Area | 2,048 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Lot Area | 41,818 sqft (0.96 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Detached |
| Garage Area | 1,280 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 610 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3959 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | STEVENS SURV 1671-2-3 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3959 Gardner Ln is owned and occupied by an individual who acquired it in March 2024.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3959 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.
| Date | Document |
|---|---|
| Mar 14, 2024 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 20, 2024 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1986 · Amount on File |
| Deed Sale | Apr 1, 1986 · Amount on File |
| Last Transfer Date | Mar 19, 2024 |
| Transfer Doc | 0000004772 |
| Record Updated | Jun 8, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Mar 14, 2024 |
| Property Address | 3959 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Number | 0000004417 |
| Book / Page | 2963 / 2021 |
| Instrument Date | Mar 12, 2024 |
| Instrument | 202400004417 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3959 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Mar 20, 2024 |
| Property Address | 3959 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Number | 0000004772 |
| Book / Page | 2963 / 3991 |
| Instrument Date | Mar 12, 2024 |
| Instrument | 202400004772 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3959 GARDNER LN, CINCINNATI, OH 45245-2301 |
The 2025 property tax bill for 3959 Gardner Ln was $3,893 with a homeowner's exemption, down 0.6% from the year before.
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 | $3,893.00 (-0.64%) | $87,510 (-) Land $19,710 Building $67,800 | |
| 2024 | $3,918.00 (-66.94%) Homeowner's exemption | $87,510 (-26.55%) Land $19,710 Building $67,800 | $250,000 (-26.56%) Land $56,300 Building $193,700 |
| 2023 | $11,850.00 (+222.89%) Homeowner's exemption | $119,150 (+66.06%) Land $19,710 Building $99,440 | $340,400 Land $56,300 Building $284,100 |
| 2022 | $3,670.00 Homeowner's exemption | $71,750 Land $13,860 Building $57,890 | |
| 2020 | $205,000 Land $39,600 Building $165,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3959 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 3959 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 | 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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