3970 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3970 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,717 sqft · built 2003
Lot Size	0.714 acres (31,102 sqft)
Owner	Individual Name on Record
Last Sale	$386,000 (Aug 2023)
Tax Bill	$4,759 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-255`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-255`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,717 sqft Living Area
1st Floor Area	1,537 sqft
Basement Area	180 sqft
Unfinished Basement	180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	31,102 sqft (0.714 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	152 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	192 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	3970 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 13
Legal Subdivision	PONDER WOODS
Legal Lot Number	13
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3001
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	3970 PONDER DR, CINCINNATI, OH 45245-1984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	202314194
Deed Book / Page	2949 / 5393
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 4, 2023
Property Address	3970 PONDER DR, CINCINNATI, OH 45245-1984
Document Number	0000014194
Book / Page	2949 / 5393
Map Reference	MB 10 PG 269&270
Instrument Date	Aug 4, 2023
Instrument	202300014194
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Joint Tenants with Right of Survivorship
Address	5001 KINGSLEY DR, CINCINNATI, OH 45227-1114

Mortgage

Document Number	0000014195
Date	Aug 4, 2023
Instrument	202300014195

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3970 PONDER DR, CINCINNATI, OH 45245-1984
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	NOT AVAILABLE, TTAI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032739
Date	Oct 7, 2021
Book Page	2897/2502
Instrument	202100032739

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 30, 2022

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3970 PONDER DR, CINCINNATI, OH 45245-1984
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001201
Date	Jan 13, 2021
Book Page	2865/5762
Instrument	202100001201

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

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

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	$4,759.00 (-49.4%)	$94,570 (-) Land $16,800 Building $77,770
2024			$270,200 (-) Land $48,000 Building $222,200
2023	$9,405.00 (+311.06%) Homeowner's exemption	$94,570 (+26.38%) Land $16,800 Building $77,770	$270,200 (+26.38%) Land $48,000 Building $222,200
2022	$2,288.00 Homeowner's exemption	$74,830 Land $13,300 Building $61,530
2020			$213,800 Land $38,000 Building $175,800

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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