4012 Ponder Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4012 Ponder Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,358 sqft · built 2004
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Nov 2017)
Tax Bill	$5,439 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-31-12A-263`

Property Details

APN / Parcel Number

Primary APN	`41-31-12A-263`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,358 sqft Living Area
1st Floor Area	934 sqft
Basement Area	490 sqft
Unfinished Basement	490 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	20,473 sqft (0.47 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	57 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	96 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	4012 PONDER DR
City	CINCINNATI
State	OH
Zip	45245-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDER WOODS; LOT 21
Legal Subdivision	PONDER WOODS
Legal Lot Number	21
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	Individual Name on Record
Mailing Address	4012 PONDER DR, CINCINNATI, OH 45245-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 20, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2017 · Amount on Record
Deed Sale	Nov 20, 2017 · Amount on Record
Prior Sale	Sep 25, 2007 · Amount on Record
Deed Document Number	201727097
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4012 PONDER DR, CINCINNATI, OH 45245-1906
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010709
Date	Apr 5, 2021
Book Page	2875/3465
Instrument	202100010709

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 20, 2017
Property Address	4012 PONDER DR, CINCINNATI, OH 45245-1906
Document Number	0000027097
Map Reference	PC10 PG269-270
Instrument Date	Nov 10, 2017
Instrument	201700027097
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
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	4012 PONDER DR, CINCINNATI, OH 45245-1906

Mortgage

Document Number	0000027098
Date	Nov 20, 2017
Instrument	201700027098

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

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	$5,439.00 (-49.4%)	$108,080 (-) Land $16,800 Building $91,280
2024			$308,800 (-) Land $48,000 Building $260,800
2023	$10,749.00 (+115.67%) Homeowner's exemption	$108,080 (+26.35%) Land $16,800 Building $91,280	$308,800 (+26.35%) Land $48,000 Building $260,800
2022	$4,984.00 Homeowner's exemption	$85,540 Land $13,300 Building $72,240
2020			$244,400 Land $38,000 Building $206,400

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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