3968 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3968 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1954
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$102,000 (Aug 2016)
Tax Bill	$2,960 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-32-17D-168`

Property Details

APN / Parcel Number

Primary APN	`41-32-17D-168`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	832 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	No Foundation
Lot Area	20,909 sqft (0.48 acres)
View / Lot	Cul-de-sac
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3968 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RANDOLPH SUBDIVISION
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
Census Tract	41202

Owner

Source: Clermont County assessment roll, 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 File
Mailing Address	3968 PHARO DR, CINCINNATI, OH 45245-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY MORTGAGE INC
Jun 5, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 1, 2016 · Amount on Record
Deed Sale	Aug 1, 2016 · Amount on Record
Prior Sale	Feb 12, 2016 · Amount on Record
Deed Document Number	201616734
Deed Book / Page	2651 / 1894
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3968 PHARO DR, CINCINNATI, OH 45245-2206
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	NC TITLE COMPANY, NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010352
Date	Mar 31, 2021
Book Page	2875/844
Instrument	202100010352

Lender

Name	FIDELITY MORTGAGE INC
Type	Subprime Lender
Address	PALM BEACH GARDENS, FL 33410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3968 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000012155
Instrument Date	Jun 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3968 PHARO DR CINCINNATI OH 452452206, CINCINNATI, OH 45245-2206

Mortgage

Document Number	0000012155
Date	Jun 13, 2019
Book Page	002810/001143
Instrument	12155

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2049

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	$2,960.00 (-49.39%)	$58,810 (-) Land $19,570 Building $39,240
2024			$168,000 (-) Land $55,900 Building $112,100
2023	$5,849.00 (+170.41%) Homeowner's exemption	$58,810 (+58.35%) Land $19,570 Building $39,240	$168,000 (+58.34%) Land $55,900 Building $112,100
2022	$2,163.00 Homeowner's exemption	$37,140 Land $12,360 Building $24,780
2020			$106,100 Land $35,300 Building $70,800

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 at the parcel

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)
Cincinnati Bell 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 USA.

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