Clermont County property record for 3984 Ponder Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 2003 |
| Lot Size | 0.461 acres (20,081 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,000 (Sep 2008) |
| Tax Bill | $4,413 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-256 |
| Primary APN | 41-31-12A-256 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Family Room | Family Room |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 20,081 sqft (0.461 acres) |
| Terrain | Below Road/Slope |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 76 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3984 PONDER DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1984 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PONDER WOODS; LOT 14 |
| Legal Subdivision | PONDER WOODS |
| Legal Lot Number | 14 |
| 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 | 3984 PONDER DR, CINCINNATI, OH 45245-1984 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Aug 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2008 · Amount on Record |
| Deed Sale | Sep 11, 2008 · Amount on Record |
| Prior Sale | Jun 5, 2003 · Amount on Record |
| Deed Document Number | 200823482 |
| Deed Book / Page | 2142 / 881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3984 PONDER DR, CINCINNATI, OH 45245-1984 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000011368 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 2838/1433 |
| Instrument | 202000011368 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3984 PONDER DR, CINCINNATI, OH 45245-1984 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000021914 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 2848/3966 |
| Instrument | 202000021914 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Jun 1, 2035 |
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 | $4,413.00 (-49.39%) | $87,680 (-) Land $16,800 Building $70,880 | |
| 2024 | $250,500 (-) Land $48,000 Building $202,500 | ||
| 2023 | $8,720.00 (+115.63%) Homeowner's exemption | $87,680 (+26.32%) Land $16,800 Building $70,880 | $250,500 (+26.32%) Land $48,000 Building $202,500 |
| 2022 | $4,044.00 Homeowner's exemption | $69,410 Land $13,300 Building $56,110 | |
| 2020 | $198,300 Land $38,000 Building $160,300 |
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.
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 |
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