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3986 Witham Ln, Cincinnati, OH 45245 Property Records

Clermont County property record for 3986 Witham Ln, Cincinnati, OH 45245 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1975
Square Footage1,296 sqft Living Area
Lot Size41,818 sqft (0.96 acres)
OccupancyOwner Occupied
Last Sale$289,000 (2026)
Tax Bill$4,566.00 (2025)

Property Details

APN / Parcel Number

Primary APN41-32-19.-138

Interior

Bedrooms3 Beds
Full Baths2 Baths
Partial Baths1 Partial Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms5 Rooms
Building Area1,296 sqft Living Area
1st Floor1,296 sqft 1st Floor
Stories1 Stories

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Architectural StyleRanch Style
Exterior MaterialBrick Exterior
Construction TypeBrick Construction
Foundation TypeNo Foundation Foundation
Lot Area41,818 sqft (0.96 acres)
Parking Spaces2 Parking Spaces
Garage Area540 sqft Garage
Patio Area176 sqft Patio
ViewCul-de-sac View
Canopy Area176 sqft Canopy

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address3986 WITHAM LN
CityCINCINNATI
StateOH
Zip45245-2211
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal SubdivisionPHARO SUB
JurisdictionCLERMONT OH
Minor Civil DivisionUNION
Census Blockgroup3
Census Block3002
Census Tract41202

Owner

Source: Clermont County records · APN 41-32-19.-138

Assessment roll updated April 13, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2026Warranty Deed, Transfer · Conventional Mortgage
LOAN STORE
Feb 02, 2026Sheriff's Deed, Foreclosure
Aug 16, 2023Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Oct 29, 2021Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNION SAVINGS BANK
Mar 09, 2020Warranty Deed, Transfer · Veterans Administration Mortgage
GUARDIAN SAVINGS BANK FSB
Feb 28, 2019Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
RAPID MORTGAGE COMPANY
Sep 05, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 29, 2026 · Amount on Record
Deed SaleJun 29, 2026 · Amount on Record
Prior SaleFeb 02, 2026 · Amount on Record
Deed Doc Number202614649
Deed Book / Page3027 / 337
Record RefreshedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLERMONT OH
Recording DateJun 29, 2026
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000014649
Book / Page3027 / 337
Instrument DateJun 20, 2026
Instrument202614649
Transaction TypeTransfer
Record UpdatedJul 10, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$116,756.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3986 WITHAM LN, CINCINNATI, OH 45245-2211

Mortgage

Document Number0000014650,
DateJun 29, 2026
Instrument202614650
Lender
NameLOAN STORE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeFixed Rate
Rate6.36%
Initial TypeFixed Rate
Max Rate-1%

February 2026: Sheriff's Deed, Foreclosure

Document TypeSheriff's Deed
JurisdictionCLERMONT OH
Recording DateFeb 02, 2026
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000002363
Book / Page3014 / 2967
Instrument DateJan 23, 2026
Instrument202600002363
Transaction TypeForeclosure
Record UpdatedFeb 11, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9228 KENWOOD RD, BLUE ASH, OH 45242-7469

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLERMONT OH
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Transaction TypeMortgage
Record UpdatedAug 29, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3986 WITHAM LN, CINCINNATI, OH 45245-2211

Mortgage

Document Number0000014884
DateAug 16, 2023
Book Page2950/3175
Instrument202300014884
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueAug 20, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLERMONT OH
Recording DateOct 29, 2021
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000035342
Book / Page2899 / 5977
Instrument DateOct 25, 2021
Instrument202100035342
Transaction TypeTransfer
Record UpdatedJul 14, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 50485, INDIANAPOLIS, IN 46250-0485

Mortgage

Document Number0000035343
DateOct 29, 2021
Instrument202100035343
Lender
NameUNION SAVINGS BANK
TypeBank
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLERMONT OH
Recording DateMar 09, 2020
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000005917
Book / Page2832 / 3422
Instrument DateFeb 28, 2020
Instrument202000005917
Transaction TypeTransfer
Record UpdatedMay 16, 2022
Title CompanyAGILITY CLOSING & TTL SVCS I

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3986 WITHAM LN, CINCINNATI, OH 45245-2211

Mortgage

Document Number0000005918
DateMar 09, 2020
Instrument202000005918
Lender
NameGUARDIAN SAVINGS BANK FSB
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

February 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionCLERMONT OH
Recording DateFeb 28, 2019
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000003833
Book / Page2802 / 3774
Instrument DateFeb 15, 2019
Instrument201900003833
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 16, 2022
Title CompanyVANTAGE LAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight Of Survivorship
Address3986 WITHAM LN, CINCINNATI, OH 45245-2211

Mortgage

Document Number0000003834
DateFeb 28, 2019
Instrument201900003834
Lender
NameRAPID MORTGAGE COMPANY
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

September 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionCLERMONT OH
Recording DateSep 05, 2018
Property Address3986 WITHAM LN, CINCINNATI, OH 45245-2211
Document Number0000020101
Book / Page002790 / 001624
Instrument DateAug 23, 2018
Instrument20101
Transaction TypeForeclosure
Record UpdatedSep 20, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$384.40
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address586 WARDS CORNER RD LOVELAND OH 451409043, LOVELAND, OH 45140-9043

Tax Assessment & Valuation

Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateOhio
CountyClermont County
County SubdivisionUnion Township
Unified School DistrictWest Clermont Local School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,566.00 (-0.17%)$90,720 (-) Land $26,320 Building $64,400
2024$4,574.00 (-49.31%) Homeowner's exemption$90,720 (-) Land $26,320 Building $64,400$259,200 (-) Land $75,200 Building $184,000
2023$9,023.00 (+170.31%) Homeowner's exemption$90,720 (+58.32%) Land $26,320 Building $64,400$259,200 (+58.34%) Land $75,200 Building $184,000
2022$3,338.00 Homeowner's exemption$57,300 Land $16,630 Building $40,670
2020$163,700 Land $47,500 Building $116,200

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