Clermont County property record for 3990 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,520 sqft · built 2006 |
| Lot Size | 2 acres (87,294 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,500 (Sep 2004) |
| Tax Bill | $9,825 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-283 |
| Primary APN | 41-31-12A-283 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,520 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Attic | Attic |
| Attic Area | 1,388 sqft |
| Basement Area | 1,173 sqft |
| Unfinished Basement | 1,173 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 87,294 sqft (2 acres) |
| Garage Area | 614 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 296 sqft |
| Patio Area | 382 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3990 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 05TY FROM 205. |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3990 Gardner Ln is owned and occupied by an individual who bought it in September 2004.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3990 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 |
|---|---|
| Apr 7, 2021 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| May 18, 2022 | Transfer on Death Deed, Transfer |
| Aug 9, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2004 · Amount on File |
| Deed Sale | Sep 27, 2004 · Amount on File |
| Deed Document Number | 200440424 |
| Deed Book / Page | 1815 / 1588 |
| Prior Transfer Date | Apr 21, 2004 |
| Prior Transfer Doc | 0000016323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3990 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000011117 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 2876/131 |
| Instrument | 202100011117 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | May 18, 2022 |
| Property Address | 3990 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Number | 0000013688 |
| Book / Page | 2920 / 368 |
| Instrument Date | May 17, 2022 |
| Instrument | 202200013688 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3990 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3990 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017136 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 2814/5931 |
| Instrument | 201900017136 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3990 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024439 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 2851/1375 |
| Instrument | 202000024439 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 3990 Gardner Ln was $9,825, down 0.2% from the year before.
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 | $9,825.00 (-0.18%) | $190,720 (-) Land $29,820 Building $160,900 | |
| 2024 | $9,843.00 (-48.11%) | $190,720 (-) Land $29,820 Building $160,900 | $544,900 (-) Land $85,200 Building $459,700 |
| 2023 | $18,969.00 (+137.5%) | $190,720 (+42.26%) Land $29,820 Building $160,900 | $544,900 Land $85,200 Building $459,700 |
| 2022 | $7,987.00 | $134,060 Land $20,970 Building $113,090 | |
| 2020 | $383,000 Land $59,900 Building $323,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3990 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 3990 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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