Clermont County property record for 4002 Pharo Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 992 sqft · built 1954 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,000 (Jan 2019) |
| Tax Bill | $2,292 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-17D-137 |
| Primary APN | 41-32-17D-137 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 64 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4002 PHARO DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SURVEY #1134 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 41202 |
Source: Clermont County records · APN 41-32-17D-137
Assessment roll updated April 13, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Jan 24, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 22, 2019 | Fiduciary Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 22, 2019 · Amount on Record |
| Deed Sale | Jan 22, 2019 · Amount on Record |
| Prior Sale | Feb 19, 2016 · Amount on Record |
| Deed Document Number | 20191350 |
| Deed Book / Page | 2800 / 3086 |
| Prior Transfer Date | Sep 19, 2003 |
| Prior Transfer Doc | 0000060962 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 20, 2026 |
| Property Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Document Number | 0000008448 |
| Book / Page | 3020 / 4663 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 20268448 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Document Number | 0000008448, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 3020/4663 |
| Instrument | 20268448 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 305 Months |
| Due | Sep 01, 2051 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Document Number | 0000001339 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 2960/2814 |
| Instrument | 202400001339 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Sep 01, 2051 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jan 22, 2019 |
| Property Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Document Number | 0000001350 |
| Book / Page | 2800 / 3086 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 201900001350 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4002 PHARO DR, CINCINNATI, OH 45245-2208 |
| Document Number | 0000001351 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | 201900001351 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,292.00 (-49.39%) | $45,540 (-) Land $12,740 Building $32,800 | |
| 2024 | $130,100 (-) Land $36,400 Building $93,700 | ||
| 2023 | $4,529.00 (+164.54%) | $45,540 (+58.46%) Land $12,740 Building $32,800 | $130,100 (+58.47%) Land $36,400 Building $93,700 |
| 2022 | $1,712.00 | $28,740 Land $8,050 Building $20,690 | |
| 2020 | $82,100 Land $23,000 Building $59,100 |
Source: FEMA National Flood Hazard Layer as of February 6, 2010 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA.
Based on FCC filings for 274 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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