3985 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3985 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 2004
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$344,000 (Apr 2023)
Tax Bill	$4,657 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-251`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-251`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,994 sqft (0.459 acres)
Terrain	Above Road/Slope
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Deck Area	144 sqft
Patio Area	32 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	3985 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1985
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 9
Legal Subdivision	PONDER WOODS
Legal Lot Number	9
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3001
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	3985 PONDER DR, CINCINNATI, OH 45245-1985
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE LLC
Apr 11, 2023	Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY
Aug 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Prior Sale	Feb 21, 2012 · Amount on Record
Deed Document Number	20236101
Deed Book / Page	2942 / 703
Prior Transfer Date	Jul 27, 2017
Prior Transfer Doc	0000019776
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3985 PONDER DR, CINCINNATI, OH 45245-1985
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3985 PONDER DR, CINCINNATI, OH 45245-1985

Mortgage

Document Number	0000003545
Date	Feb 18, 2026
Book Page	3015/4145
Instrument	202600003545

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	327 Months
Due	May 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Apr 11, 2023
Property Address	3985 PONDER DR, CINCINNATI, OH 45245-1985
Document Number	0000006101
Book / Page	2942 / 703
Map Reference	MB 10 PG 269&270
Instrument Date	Apr 10, 2023
Instrument	202300006101
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3985 PONDER DR, CINCINNATI, OH 45245-1985

Mortgage

Document Number	0000006102
Date	Apr 11, 2023
Instrument	202300006102

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 29, 2017
Property Address	3985 PONDER DR, CINCINNATI, OH 45245-1985
Document Number	0000019776
Book / Page	002725 / 000449
Instrument Date	Jul 27, 2017
Instrument	19776
Transaction Type	Transfer
Record Updated	Jan 14, 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	Irrevocable Trust
Address	3985 PONDER DR CINCINNATI OH 452451985, CINCINNATI, OH 45245-1985

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	$4,657.00 (-49.4%)	$92,540 (-) Land $16,800 Building $75,740
2024			$264,400 (-) Land $48,000 Building $216,400
2023	$9,204.00 (+145.05%) Homeowner's exemption	$92,540 (+26.39%) Land $16,800 Building $75,740	$264,400 (+26.39%) Land $48,000 Building $216,400
2022	$3,756.00 Homeowner's exemption	$73,220 Land $13,300 Building $59,920
2020			$209,200 Land $38,000 Building $171,200

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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