3981 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3981 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,030 sqft · built 1952
Lot Size	0.45 acres (19,689 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Nov 2006)
Tax Bill	$2,910 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-42-04.-010`

Property Details

APN / Parcel Number

Primary APN	`41-42-04.-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,030 sqft Living Area
1st Floor Area	1,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,689 sqft (0.45 acres)
View / Lot	Cul-de-sac
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	172 sqft
Poultry House	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3981 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHARO; LOT 10
Legal Subdivision	PHARO
Legal Lot Number	10
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	3981 PHARO DR, CINCINNATI, OH 45245-2239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2006 · Amount on Record
Deed Sale	Nov 3, 2006 · Amount on Record
Prior Sale	Apr 21, 2006 · Amount on Record
Deed Document Number	200638234
Deed Book / Page	2019 / 2432
Prior Transfer Date	May 23, 2003
Prior Transfer Doc	0000031476
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3981 PHARO DR, CINCINNATI, OH 45245-2239
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 PHARO DR, CINCINNATI, OH 45245-2239

Mortgage

Document Number	0000001582
Date	Jan 27, 2023
Book Page	2937/5030
Instrument	202300001582

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2053

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3981 PHARO DR, CINCINNATI, OH 45245-2239
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 PHARO DR, CINCINNATI, OH 45245-2239

Mortgage

Document Number	0000002507
Date	Feb 4, 2026
Book Page	3014/3865
Instrument	202600002507

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2056

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	$2,910.00 (-0.17%)	$57,820 (-) Land $14,420 Building $43,400
2024	$2,915.00 (-49.3%) Homeowner's exemption	$57,820 (-) Land $14,420 Building $43,400	$165,200 (-) Land $41,200 Building $124,000
2023	$5,750.00 (+170.33%) Homeowner's exemption	$57,820 (+58.37%) Land $14,420 Building $43,400	$165,200 (+58.39%) Land $41,200 Building $124,000
2022	$2,127.00 Homeowner's exemption	$36,510 Land $9,100 Building $27,410
2020			$104,300 Land $26,000 Building $78,300

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.

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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