Clermont County property record for 3973 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,100 sqft · built 1954 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Mar 2019) |
| Tax Bill | $4,379 (2025) |
| Deeds & Mortgages | Nov 2021 Transfer Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-161 |
| Primary APN | 41-31-12A-161 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Lot Area | 24,394 sqft (0.56 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
|---|---|
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3973 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | STEVENS SURVEYS #1671-1673 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
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 | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Transfer on Death Deed, Transfer |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Mar 13, 2019 | Fiduciary Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2019 · Amount on Record |
| Deed Sale | Mar 13, 2019 · Amount on Record |
| Deed Document Number | 20194847 |
| Deed Book / Page | 2803 / 3512 |
| Last Transfer Date | Nov 11, 2021 |
| Transfer Doc | 0000038889 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Nov 30, 2021 |
| Property Address | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Number | 0000038889 |
| Book / Page | 2903 / 3705 |
| Instrument Date | Nov 11, 2021 |
| Instrument | 202100038889 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000033978 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 2860/4972 |
| Instrument | 202000033978 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Mar 13, 2019 |
| Property Address | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Number | 0000004847 |
| Book / Page | 2803 / 3512 |
| Instrument Date | Feb 27, 2019 |
| Instrument | 201900004847 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3973 GARDNER LN, CINCINNATI, OH 45245-2301 |
| Document Number | 0000004848 |
|---|---|
| Date | Mar 13, 2019 |
| Instrument | 201900004848 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
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 | $4,379.00 (-50.51%) | $87,020 (-2.2%) Land $16,070 Building $70,950 | |
| 2024 | $254,200 (-) Land $45,900 Building $208,300 | ||
| 2023 | $8,849.00 (+142.7%) Homeowner's exemption | $88,980 (+42.16%) Land $16,070 Building $72,910 | $254,200 (+42.17%) Land $45,900 Building $208,300 |
| 2022 | $3,646.00 Homeowner's exemption | $62,590 Land $11,310 Building $51,280 | |
| 2020 | $178,800 Land $32,300 Building $146,500 |
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures