Clermont County property record for 3978 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,792 sqft · built 1972 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Sep 2024) |
| Tax Bill | $5,451 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-204 |
| Primary APN | 41-31-12A-204 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 33,106 sqft (0.76 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Detached |
| Garage Area | 1,120 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 696 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 364 sqft |
| Patio Area | 196 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3978 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | STEVENS SURV 1671-1673 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3978 Gardner Ln is owned and occupied by an individual who bought it in September 2024.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2023 | Transfer on Death Deed, Transfer |
| Apr 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Aug 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2024 · Amount on File |
| Deed Sale | Sep 24, 2024 · Amount on File |
| Prior Sale | Apr 5, 2022 · Amount on File |
| Deed Document Number | 202418398 |
| Deed Book / Page | 2977 / 1617 |
| Prior Transfer Date | Sep 7, 2023 |
| Prior Transfer Doc | 0000016588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Sep 8, 2023 |
| Property Address | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000016588 |
| Book / Page | 2952 / 1176 |
| Instrument Date | Sep 8, 2023 |
| Instrument | 202300016588 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 5, 2022 |
| Property Address | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000009517 |
| Book / Page | 2916 / 1418 |
| Instrument Date | Apr 1, 2022 |
| Instrument | 202200009517 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | CLOSING TITLE, CLOSING & TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| 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 | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000009518 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 202200009518 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 19, 2020 |
| Property Address | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000021836 |
| Book / Page | 2848 / 3427 |
| Map Reference | VOL 401 PG 457 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 202000021836 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Title Company | LTOC |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3978 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000021837 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 202000021837 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 3978 Gardner Ln was $5,451 with a homeowner's exemption.
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 | $5,451.00 | $108,190 Land $18,760 Building $89,430 | |
| 2024 | $309,100 (-) Land $53,600 Building $255,500 | ||
| 2023 | $10,760.00 (+137.74%) Homeowner's exemption | $108,190 (+39.47%) Land $18,760 Building $89,430 | $309,100 Land $53,600 Building $255,500 |
| 2022 | $4,526.00 Homeowner's exemption | $77,570 Land $13,200 Building $64,370 | |
| 2020 | $221,600 Land $37,700 Building $183,900 |
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.
FEMA maps place 3978 Gardner Ln in Zone X, an area of minimal flood risk.
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 risk around 3978 Gardner Ln is low, with a 0.01% annual chance of 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 | 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 |
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