3994 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3994 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,090 sqft · built 1954
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$94,000 (Aug 2018)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-32-17D-152`

Property Details

APN / Parcel Number

Primary APN	`41-32-17D-152`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,994 sqft (0.459 acres)
View / Lot	Cul-de-sac
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	50 sqft
Patio Area	144 sqft
Pole Barn	352 sqft

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3994 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RANDOLPHS UNRECORDED SUB
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
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	3994 PHARO DR, CINCINNATI, OH 45245-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage SHAREFAX CU
Aug 28, 2018	Warranty Deed, Transfer PARKWAY TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2018 · Amount on Record
Deed Sale	Aug 28, 2018 · Amount on Record
Prior Sale	Sep 13, 2010 · Amount on Record
Deed Document Number	201819491
Deed Book / Page	2789 / 757
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3994 PHARO DR, CINCINNATI, OH 45245-2206
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005508
Date	Feb 23, 2022
Book Page	2912/3041
Instrument	202200005508

Lender

Name	SHAREFAX CU
Type	Credit Union
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 28, 2018
Property Address	3994 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000019491
Book / Page	002789 / 000757
Instrument Date	Aug 20, 2018
Instrument	19491
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	PARKWAY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$376.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3994 PHARO DR CINCINNATI OH 452452206, CINCINNATI, OH 45245-2206

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	$2,976.00 (-49.36%)	$59,090 (-) Land $18,940 Building $40,150
2024			$168,800 (-) Land $54,100 Building $114,700
2023	$5,877.00 (+164.85%) Homeowner's exemption	$59,090 (+55.3%) Land $18,940 Building $40,150	$168,800 (+55.29%) Land $54,100 Building $114,700
2022	$2,219.00 Homeowner's exemption	$38,050 Land $11,940 Building $26,110
2020			$108,700 Land $34,100 Building $74,600

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	Direct burnable vegetation

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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