4011 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4011 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 2003
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$276,000 (Nov 2005)
Tax Bill	$3,886 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-244`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-244`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
1st Floor Area	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	146 sqft
Patio Area	150 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	4011 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 2
Legal Subdivision	PONDER WOODS
Legal Lot Number	2
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3001
Census Tract	41202

Owner

4011 Ponder Dr is owned and occupied by an individual who bought it in November 2005.

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

Owner of Record	Individual Name on File
Mailing Address	4011 PONDER DR, CINCINNATI, OH 45245-1905
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
Nov 29, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Feb 7, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Dec 22, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2005 · Amount on File
Deed Sale	Nov 8, 2005 · Amount on File
Prior Sale	May 20, 2003 · Amount on File
Deed Document Number	200542679
Deed Book / Page	1930 / 2223
Prior Transfer Date	Apr 14, 2003
Prior Transfer Doc	0000030223
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4011 PONDER DR, CINCINNATI, OH 45245-1905
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038517
Date	Nov 29, 2021
Book Page	2903/1639
Instrument	202100038517

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	Feb 7, 2019
Property Address	4011 PONDER DR, CINCINNATI, OH 45245-1905
Document Number	0000002528
Book / Page	002801 / 003136
Instrument Date	Feb 6, 2019
Instrument	2528
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.50
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4011 PONDER DR CINCINNATI OH 452451905, CINCINNATI, OH 45245-1905

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4011 PONDER DR, CINCINNATI, OH 45245-1905
Document Number	0000000036
Book / Page	002747 / 001537
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4011 PONDER DR CINCINNATI OH 452451905, CINCINNATI, OH 45245-1905

Mortgage

Document Number	0000000036
Date	Jan 2, 2018
Book Page	002747/001537
Instrument	36

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4011 Ponder Dr was $3,886 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	$3,886.00	$87,360 Land $16,800 Building $70,560
2024			$249,600 (-) Land $48,000 Building $201,600
2023	$8,688.00 (+146.89%) Homeowner's exemption	$87,360 (+26.32%) Land $16,800 Building $70,560	$249,600 Land $48,000 Building $201,600
2022	$3,519.00 Homeowner's exemption	$69,160 Land $13,300 Building $55,860
2020			$197,600 Land $38,000 Building $159,600

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

FEMA maps place 4011 Ponder 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 4011 Ponder 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	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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