3998 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 3998 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1954
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$213,500 (Jun 2024)
Tax Bill	$2,800 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jun 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`41-32-17D-226`

Property Details

APN / Parcel Number

Primary APN	`41-32-17D-226`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,454 sqft (0.24 acres)
View / Lot	Cul-de-sac
Garage Area	385 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3998 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
Census Tract	41202

Owner

3998 Pharo Dr is owned and occupied by an individual who bought it in June 2024.

Source: Clermont County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3998 PHARO DR, CINCINNATI, OH 45245-2206
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Warranty Deed, Transfer · Conventional Mortgage UMORTGAGE LLC
Jun 28, 2023	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on File
Deed Sale	Jun 12, 2024 · Amount on File
Prior Sale	Jan 23, 2024 · Amount on File
Deed Document Number	202410600
Deed Book / Page	2969 / 2808
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jan 23, 2024
Property Address	3998 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000001278
Book / Page	2960 / 2443
Instrument Date	Jan 15, 2024
Instrument	202400001278
Transaction Type	Transfer
Record Updated	Jan 31, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3998 PHARO DR, CINCINNATI, OH 45245-2206

Mortgage

Document Number	0000001279
Date	Jan 23, 2024
Instrument	202400001279

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

June 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLERMONT OH
Recording Date	Jun 28, 2023
Property Address	3998 PHARO DR, CINCINNATI, OH 45245-2206
Document Number	0000011509
Book / Page	2947 / 1422
Instrument Date	May 31, 2023
Instrument	202300011509
Transaction Type	Foreclosure
Record Updated	Jul 14, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 TOWNSEND RD, CINCINNATI, OH 45238-3252

Tax Assessment & Valuation

The 2025 property tax bill for 3998 Pharo Dr was $2,800.

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	$2,800.00	$55,650 Land $13,020 Building $42,630
2024			$159,000 (-) Land $37,200 Building $121,800
2023	$5,535.00 (+170.26%) Homeowner's exemption	$55,650 (+58.32%) Land $13,020 Building $42,630	$159,000 Land $37,200 Building $121,800
2022	$2,048.00 Homeowner's exemption	$35,150 Land $8,230 Building $26,920
2020			$100,400 Land $23,500 Building $76,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3998 Pharo Dr 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

Wildfire risk around 3998 Pharo Dr 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.

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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