4020 Wilma Ct, Cincinnati, OH 45245 Property Records

Clermont County property record for 4020 Wilma Ct, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,221 sqft · built 1974
Lot Size	0.48 acres (21,114 sqft)
Owner	Individual Name on File
Tax Bill	$4,051 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-48-25.-008`

Property Details

APN / Parcel Number

Primary APN	`41-48-25.-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,221 sqft Living Area
1st Floor Area	675 sqft
Basement Area	605 sqft
Finished Basement	605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	21,114 sqft (0.48 acres)
View / Lot	Cul-de-sac
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	184 sqft
Patio Area	184 sqft
Shed	1 Shed
Shed Area	192 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	4020 WILMA CT
City	CINCINNATI
State	OH
Zip	45245-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEENA ESTATES; LOT 8
Legal Subdivision	DEENA ESTATES
Legal Lot Number	8
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
Census Tract	41202

Owner

4020 Wilma Ct is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4020 WILMA CT, CINCINNATI, OH 45245-2223
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
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4020 WILMA CT, CINCINNATI, OH 45245-2223
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 WILMA CT, CINCINNATI, OH 45245-2223

Mortgage

Document Number	0000020353
Date	Aug 8, 2022
Book Page	2926/1530
Instrument	202200020353

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jul 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4020 WILMA CT, CINCINNATI, OH 45245-2223
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033025
Date	Oct 11, 2021
Book Page	2897/4014
Instrument	202100033025

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 4020 Wilma Ct was $4,051 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	$4,051.00	$80,500 Land $15,820 Building $64,680
2024			$230,000 (-) Land $45,200 Building $184,800
2023	$8,006.00 (+148.94%) Homeowner's exemption	$80,500 (+45.83%) Land $15,820 Building $64,680	$230,000 Land $45,200 Building $184,800
2022	$3,216.00 Homeowner's exemption	$55,200 Land $10,850 Building $44,350
2020			$157,700 Land $31,000 Building $126,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4020 Wilma Ct 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 4020 Wilma Ct 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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