4004 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4004 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,934 sqft · built 2003
Lot Size	0.523 acres (22,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Sep 2005)
Tax Bill	$5,239 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-260`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,934 sqft Living Area
1st Floor Area	1,910 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	22,782 sqft (0.523 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	173 sqft
Patio Area	289 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	4004 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1990
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 18
Legal Subdivision	PONDER WOODS
Legal Lot Number	18
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	2 Individual Names on Record
Mailing Address	4004 PONDER DR, CINCINNATI, OH 45245-1990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2005 · Amount on Record
Deed Sale	Sep 23, 2005 · Amount on Record
Prior Sale	Sep 23, 2005 · Amount on Record
Deed Document Number	200536171
Deed Book / Page	1917 / 1393
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4004 PONDER DR, CINCINNATI, OH 45245-1990
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4004 PONDER DR, CINCINNATI, OH 45245-1990

Mortgage

Document Number	0000019698
Date	Oct 23, 2023
Book Page	2955/536
Instrument	202300019698

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4004 PONDER DR, CINCINNATI, OH 45245-1990
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034040
Date	Oct 19, 2021
Book Page	2898/4080
Instrument	202100034040

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4004 PONDER DR, CINCINNATI, OH 45245-1990
Document Number	0000029352
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 PONER DR CINCINNATI OH 45245, CINCINNATI, OH 45245

Mortgage

Document Number	0000029352
Date	Dec 23, 2019
Book Page	002826/003595
Instrument	29352

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

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	$5,239.00 (-49.39%)	$104,090 (-) Land $16,800 Building $87,290
2024			$297,400 (-) Land $48,000 Building $249,400
2023	$10,352.00 (+115.67%) Homeowner's exemption	$104,090 (+26.34%) Land $16,800 Building $87,290	$297,400 (+26.34%) Land $48,000 Building $249,400
2022	$4,800.00 Homeowner's exemption	$82,390 Land $13,300 Building $69,090
2020			$235,400 Land $38,000 Building $197,400

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	None beyond ember reach

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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