Clermont County property record for 3975 Ponder Dr, Cincinnati, OH 45245 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,579 sqft · built 2003 |
| Lot Size | 0.506 acres (22,041 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,000 (Aug 2006) |
| Tax Bill | $4,728 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-253 |
| Primary APN | 41-31-12A-253 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,579 sqft Living Area |
| 1st Floor Area | 858 sqft |
| Basement Area | 801 sqft |
| Finished Basement | 801 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 22,041 sqft (0.506 acres) |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3975 PONDER DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1985 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PONDER WOODS; LOT 11 |
| Legal Subdivision | PONDER WOODS |
| Legal Lot Number | 11 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 41202 |
Source: Clermont County records · APN 41-31-12A-253
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY MORTGAGE INC |
| Jul 20, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 07, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Apr 30, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Sep 28, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 09, 2006 · Amount on Record |
| Deed Sale | Aug 09, 2006 · Amount on Record |
| Prior Sale | Aug 09, 2006 · Amount on Record |
| Deed Document Number | 200627562 |
| Deed Book / Page | 1999 / 3 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000016387 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 2881/1154 |
| Instrument | 202100016387 |
| Name | FIDELITY MORTGAGE INC |
|---|---|
| Type | Subprime Lender |
| Address | PALM BEACH GARDENS, FL 33410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Document Number | 0000013069 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 2948/4889 |
| Instrument | 202300013069 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 17, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022589 |
|---|---|
| Date | Oct 07, 2019 |
| Book Page | 2820/1397 |
| Instrument | 201900022589 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010304 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 2837/874 |
| Instrument | 202000010304 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3975 PONDER DR, CINCINNATI, OH 45245-1985 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026482 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 2853/1442 |
| Instrument | 202000026482 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,728.00 (-0.19%) | $93,940 (-) Land $16,800 Building $77,140 | |
| 2024 | $4,737.00 (-49.3%) Homeowner's exemption | $93,940 (-) Land $16,800 Building $77,140 | $268,400 (-) Land $48,000 Building $220,400 |
| 2023 | $9,343.00 (+115.62%) Homeowner's exemption | $93,940 (+26.3%) Land $16,800 Building $77,140 | $268,400 (+26.31%) Land $48,000 Building $220,400 |
| 2022 | $4,333.00 Homeowner's exemption | $74,380 Land $13,300 Building $61,080 | |
| 2020 | $212,500 Land $38,000 Building $174,500 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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