4000 Pharo Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4000 Pharo Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1954
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Aug 2023)
Tax Bill	$2,179 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-32-17D-129`

Property Details

APN / Parcel Number

Primary APN	`41-32-17D-129`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
View / Lot	Cul-de-sac
Deck Area	120 sqft
Patio Area	120 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	4000 PHARO DR
City	CINCINNATI
State	OH
Zip	45245-2208
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

4000 Pharo Dr is owned and occupied by an individual who bought it in August 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4000 PHARO DR, CINCINNATI, OH 45245-2208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Warranty Deed, Transfer · Conventional Mortgage OPTION FINANCIAL LLC
Feb 20, 2018	Deed, Transfer · Conventional Mortgage RIVERHILLS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2023 · Amount on File
Deed Sale	Aug 15, 2023 · Amount on File
Prior Sale	Feb 20, 2018 · Amount on File
Deed Document Number	202314805
Deed Book / Page	2950 / 2636
Prior Transfer Date	Feb 7, 2007
Prior Transfer Doc	0000007552
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 15, 2023
Property Address	4000 PHARO DR, CINCINNATI, OH 45245-2208
Document Number	0000014805
Book / Page	2950 / 2636
Instrument Date	Aug 11, 2023
Instrument	202300014805
Transaction Type	Transfer
Record Updated	Aug 29, 2023

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	4000 PHARO DR, CINCINNATI, OH 45245-2208

Mortgage

Document Number	0000014806
Date	Aug 15, 2023
Instrument	202300014806

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Feb 20, 2018
Property Address	4000 PHARO DR, CINCINNATI, OH 45245-2208
Document Number	0000003772
Map Reference	PL 129 PG 17
Instrument Date	Feb 14, 2018
Instrument	201800003772
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	MATTINGLY FORD TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4000 PHARO DR, CINCINNATI, OH 45245-2208

Mortgage

Document Number	0000003773
Date	Feb 20, 2018
Instrument	201800003773

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4000 Pharo Dr was $2,179 with a homeowner's exemption.

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	$2,179.00	$43,300 Land $12,740 Building $30,560
2024			$123,700 (-) Land $36,400 Building $87,300
2023	$4,306.00 (+170.31%) Homeowner's exemption	$43,300 (+58.38%) Land $12,740 Building $30,560	$123,700 Land $36,400 Building $87,300
2022	$1,593.00 Homeowner's exemption	$27,340 Land $8,050 Building $19,290
2020			$78,100 Land $23,000 Building $55,100

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 4000 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 4000 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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