Clermont County property record for 3972 Pharo Dr, Cincinnati, OH 45245 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,568 sqft · built 1954 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Jan 2025) |
| Tax Bill | $3,266 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-17D-202 |
| Primary APN | 41-32-17D-202 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 20,909 sqft (0.48 acres) |
| View / Lot | Cul-de-sac |
| Deck Area | Deck Area |
|---|---|
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Lean-To | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3972 PHARO DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | RANDOLPH |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 41202 |
Source: Clermont County records · APN 41-32-17D-202
Assessment roll updated April 13, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3972 PHARO DR, CINCINNATI, OH 45245-2206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 02, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 20, 2017 | Grant Deed, Transfer SERVICELINK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 02, 2025 · Amount on Record |
| Deed Sale | Jan 02, 2025 · Amount on Record |
| Prior Sale | Mar 20, 2017 · Amount on Record |
| Deed Document Number | 202550 |
| Deed Book / Page | 2984 / 3440 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 02, 2026 |
| Property Address | 3972 PHARO DR, CINCINNATI, OH 45245-2206 |
| Document Number | 0000007094 |
| Book / Page | 3019 / 2070 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 20267094 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3972 PHARO DR, CINCINNATI, OH 45245-2206 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007094, |
|---|---|
| Date | Apr 02, 2026 |
| Book Page | 3019/2070 |
| Instrument | 20267094 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Mar 20, 2017 |
| Property Address | 3972 PHARO DR, CINCINNATI, OH 45245-2206 |
| Document Number | 0000006196 |
| Book / Page | 002695 / 001784 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 6196 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2017 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4700 ASHWOOD DR #200 BLUE ASH OH 452412424, 200, BLUE ASH, OH 45241-2424 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,266.00 (-49.4%) | $64,900 (-) Land $19,570 Building $45,330 | |
| 2024 | $185,400 (-) Land $55,900 Building $129,500 | ||
| 2023 | $6,454.00 (+164.51%) | $64,900 (+58.45%) Land $19,570 Building $45,330 | $185,400 (+58.46%) Land $55,900 Building $129,500 |
| 2022 | $2,440.00 | $40,960 Land $12,360 Building $28,600 | |
| 2020 | $117,000 Land $35,300 Building $81,700 |
Source: FEMA National Flood Hazard Layer, Clermont County (39025C), updated February 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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