3995 Gardner Ln, Cincinnati, OH 45245 Property Records

Clermont County property record for 3995 Gardner Ln, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,508 sqft · built 2005
Lot Size	2.01 acres (87,773 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jul 2019)
Tax Bill	$11,523 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2023 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-281`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-281`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,508 sqft Living Area
1st Floor Area	2,508 sqft
Basement Area	2,300 sqft
Finished Basement	2,300 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	87,773 sqft (2.01 acres)
Garage Area	986 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	713 sqft
Pole Barn	720 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	3995 GARDNER LN
City	CINCINNATI
State	OH
Zip	45245-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	05TY FROM 205.
Legal Subdivision	STEVENS MILITARY SURVEY 1671 1672 & 1673
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3000
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	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
Feb 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
Mar 11, 2021	Intrafamily Transfer, Transfer
Mar 11, 2021	Transfer on Death Deed, Transfer
Jan 30, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 28, 2019	Quit Claim Deed, Transfer LAWYERS TITLE/CINCINNATI INC
Jul 26, 2019	Warranty Deed, Transfer LAWYERS TITLE/CINCINNATI INC
May 17, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	201915837
Deed Book / Page	2813 / 3981
Last Transfer Date	Mar 4, 2021
Transfer Doc	0000007793
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301

Mortgage

Document Number	0000004102
Date	Feb 25, 2026
Book Page	3016/1186
Instrument	202600004102

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301

Mortgage

Document Number	0000002389
Date	Feb 13, 2023
Book Page	2938/3304
Instrument	202300002389

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2043

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004054
Date	Feb 9, 2022
Book Page	2911/829
Instrument	202200004054

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2032

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLERMONT OH
Recording Date	Mar 11, 2021
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Document Number	0000007793
Book / Page	2872 / 2714
Instrument Date	Mar 4, 2021
Instrument	202100007793
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301

March 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLERMONT OH
Recording Date	Mar 11, 2021
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Document Number	0000007813
Book / Page	2872 / 2838
Instrument Date	Mar 4, 2021
Instrument	202100007813
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001916
Date	Jan 30, 2019
Book Page	2800/5971
Instrument	201900001916

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 28, 2019
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Document Number	0000018837
Book / Page	002816 / 003157
Instrument Date	Aug 15, 2019
Instrument	18837
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3995 GARDNER LN CINCINNATI OH 452452301, CINCINNATI, OH 45245-2301

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jul 26, 2019
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Document Number	0000015837
Book / Page	002813 / 003981
Instrument Date	Jul 17, 2019
Instrument	15837
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Tax	$1,700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 GARDNER LN CINCINNATI OH 452452301, CINCINNATI, OH 45245-2301

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLERMONT OH
Recording Date	May 17, 2017
Property Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301
Document Number	0000010869
Book / Page	2705 / 1640
Instrument Date	May 11, 2017
Instrument	201700010869
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 GARDNER LN, CINCINNATI, OH 45245-2301

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	$11,523.00 (-49.32%)	$228,630 (-) Land $29,930 Building $198,700
2024			$653,200 (-) Land $85,500 Building $567,700
2023	$22,739.00 (+141.01%) Homeowner's exemption	$228,630 (+41.38%) Land $29,930 Building $198,700	$653,200 (+41.39%) Land $85,500 Building $567,700
2022	$9,435.00 Homeowner's exemption	$161,710 Land $21,040 Building $140,670
2020			$462,000 Land $60,100 Building $401,900

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 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

3995 Gardner Ln, Cincinnati, OH 45245 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Transfer on Death Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2017: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Gardner Ln

Nearby Streets

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