3971 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3971 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 2003
Lot Size	0.602 acres (26,223 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Aug 2022)
Tax Bill	$4,661 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-254`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-254`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	26,223 sqft (0.602 acres)
Terrain	Above Road/Slope
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Patio Area	154 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	3971 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 12
Legal Subdivision	PONDER WOODS
Legal Lot Number	12
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	3971 PONDER DR, CINCINNATI, OH 45245-1985
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Fiduciary Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Oct 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Oct 20, 2003 · Amount on Record
Deed Document Number	202220052
Deed Book / Page	2925 / 5923
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0000028643
Record Updated	Oct 29, 2026

August 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 3, 2022
Property Address	3971 PONDER DR, CINCINNATI, OH 45245-1985
Document Number	0000020052
Book / Page	2925 / 5923
Map Reference	MB 10 PG 269&270
Instrument Date	Jul 28, 2022
Instrument	202200020052
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PROMINENT TITLE AGENCY LLC

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	Right of Survivorship
Address	3971 PONDER DR, CINCINNATI, OH 45245-1985
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020053
Date	Aug 3, 2022
Instrument	202200020053

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 15, 2020
Property Address	3971 PONDER DR, CINCINNATI, OH 45245-1985
Document Number	0000028643
Book / Page	002855 / 002924
Instrument Date	Oct 7, 2020
Instrument	28643
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	3971 PONDER DR #LAE CINCINNATI OH 452451985, CINCINNATI, OH 45245-1985
Investor	Possibly a Property Investor

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	$4,661.00 (-0.19%)	$92,610 (-) Land $16,800 Building $75,810
2024	$4,670.00 (-49.3%) Homeowner's exemption	$92,610 (-) Land $16,800 Building $75,810	$264,600 (-) Land $48,000 Building $216,600
2023	$9,211.00 (+144.97%) Homeowner's exemption	$92,610 (+26.36%) Land $16,800 Building $75,810	$264,600 (+26.36%) Land $48,000 Building $216,600
2022	$3,760.00 Homeowner's exemption	$73,290 Land $13,300 Building $59,990
2020			$209,400 Land $38,000 Building $171,400

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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