Clermont County property record for 3994 Gardner Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,133 sqft · built 2019 |
| Lot Size | 2.07 acres (90,213 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,500 (Mar 2007) |
| Tax Bill | $8,523 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-12A-284 |
| Primary APN | 41-31-12A-284 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Living Area |
| 1st Floor Area | 550 sqft |
| Basement Area | 992 sqft |
| Unfinished Basement | 992 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 90,213 sqft (2.07 acres) |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 232 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3994 GARDNER LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | STEVENS MILITARY SURVEY #1671-1673 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41202 |
3994 Gardner Ln is owned and occupied by an individual who bought it in March 2007.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3994 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2007 · Amount on File |
| Deed Sale | Mar 8, 2007 · Amount on File |
| Deed Document Number | 20076601 |
| Deed Book / Page | 2044 / 669 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 3994 GARDNER LN, CINCINNATI, OH 45245-2302 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | OLD TOWN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000023255 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 2794/1666 |
| Instrument | 201800023255 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Nov 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.37% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
The 2025 property tax bill for 3994 Gardner Ln was $8,523 with a homeowner's exemption.
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 | $8,523.00 | $169,090 Land $30,490 Building $138,600 | |
| 2024 | $483,100 (-) Land $87,100 Building $396,000 | ||
| 2023 | $16,817.00 (+142.56%) Homeowner's exemption | $169,090 (+42.3%) Land $30,490 Building $138,600 | $483,100 Land $87,100 Building $396,000 |
| 2022 | $6,933.00 Homeowner's exemption | $118,830 Land $21,420 Building $97,410 | |
| 2020 | $339,500 Land $61,200 Building $278,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3994 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 3994 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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