3977 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3977 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,384 sqft · built 1952
Lot Size	0.437 acres (19,036 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Jun 1991)
Tax Bill	$2,406 (2025)
Deeds & Mortgages	Oct 2021 Transfer Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-42-04.-009`

Property Details

APN / Parcel Number

Primary APN	`41-42-04.-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,096 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	19,036 sqft (0.437 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Patio Area	120 sqft
Shed	1 Shed
Shed Area	160 sqft
Poultry House	138 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	3977 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHARO; LOT 9
Legal Subdivision	PHARO
Legal Lot Number	9
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
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	3977 PHARO DR, CINCINNATI, OH 45245-2239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Affidavit of Death of Joint Tenant, Transfer
Oct 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK/NJ

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 1991 · Amount on Record
Deed Sale	Jun 3, 1991 · Amount on Record
Prior Sale	Apr 1, 1985 · Amount on Record
Last Transfer Date	Aug 21, 2020
Transfer Doc	0000030231
Record Updated	Jun 8, 2026

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLERMONT OH
Recording Date	Oct 12, 2021
Property Address	3977 PHARO DR, CINCINNATI, OH 45245-2239
Document Number	0000033147
Book / Page	2897 / 4900
Map Reference	MB D PG 110
Instrument Date	Oct 8, 2021
Instrument	202100033147
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 28, 2020
Property Address	3977 PHARO DR, CINCINNATI, OH 45245-2239
Document Number	0000030231
Book / Page	002857 / 000605
Instrument Date	Aug 21, 2020
Instrument	30231
Transaction Type	Transfer
Record Updated	Nov 6, 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	Joint Tenants with Right of Survivorship
Address	3977 PHARO DR CINCINNATI OH 452452239, CINCINNATI, OH 45245-2239

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3977 PHARO DR, CINCINNATI, OH 45245-2239
Document Number	0000006825
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3977 PHARO DR CINCINNATI OH 452452239, CINCINNATI, OH 45245-2239

Mortgage

Document Number	0000006825
Date	Mar 30, 2018
Book Page	002761/002276
Instrument	6825

Lender

Name	PNC BK/NJ
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,406.00 (-58.26%)	$57,960 (-) Land $14,420 Building $43,540
2024			$165,600 (-) Land $41,200 Building $124,400
2023	$5,764.00 (+167.72%) Homeowner's exemption	$57,960 (+56.82%) Land $14,420 Building $43,540	$165,600 (+56.82%) Land $41,200 Building $124,400
2022	$2,153.00 Homeowner's exemption	$36,960 Land $9,100 Building $27,860
2020			$105,600 Land $26,000 Building $79,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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