Clermont County property record for 3970 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,306 sqft · built 1938 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,051 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-180 |
| Primary APN | 41-31-12A-180 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 838 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Construction Type | Stone |
| Foundation Type | No Foundation |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Cul-de-sac |
| Porch | Porch |
|---|---|
| Porch Area | 260 sqft |
| Shed | 1 Shed |
| Shed Area | 143 sqft |
| Lean-To | 140 sqft |
| Pole Barn | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3970 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3970 Gardner Ln is owned and occupied by an individual who acquired it in June 2005.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 397O GARDNER LN, CINCINNATI, OH 45245 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 24, 2005 |
| Transfer Doc | 0000022491 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3970 Gardner Ln was $3,051 with a homeowner's exemption.
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 | $3,051.00 | $60,590 Land $14,950 Building $45,640 | |
| 2024 | $173,100 (-) Land $42,700 Building $130,400 | ||
| 2023 | $6,026.00 (+139.41%) Homeowner's exemption | $60,590 (+40.38%) Land $14,950 Building $45,640 | $173,100 Land $42,700 Building $130,400 |
| 2022 | $2,517.00 Homeowner's exemption | $43,160 Land $10,500 Building $32,660 | |
| 2020 | $123,300 Land $30,000 Building $93,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3970 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 3970 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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