Clermont County property record for 4138 James Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,031 sqft · built 1997 |
| Lot Size | 0.559 acres (24,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Apr 2021) |
| Tax Bill | $5,197 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-15C-124 |
| Primary APN | 41-32-15C-124 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,031 sqft Living Area |
| 1st Floor Area | 506 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 24,350 sqft (0.559 acres) |
| Garage Area | 525 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 362 sqft |
| Patio Area | 362 sqft |
| Shed | 1 Shed |
| Shed Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4138 JAMES DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VERNON OAKS BLOCK B; LOT 34 |
| Legal Subdivision | VERNON OAKS |
| Legal Block | B |
| Legal Lot Number | 34 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 41305 |
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 | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Aug 30, 2021 | Transfer on Death Deed, Transfer |
| Apr 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2021 · Amount on Record |
| Deed Sale | Apr 5, 2021 · Amount on Record |
| Prior Sale | Jun 12, 2015 · Amount on Record |
| Deed Document Number | 202110874 |
| Deed Book / Page | 2875 / 4409 |
| Last Transfer Date | Aug 26, 2021 |
| Transfer Doc | 0000028275 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Document Number | 0000025657 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 3009/4733 |
| Instrument | 202500025657 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Nov 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 30, 2021 |
| Property Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Document Number | 0000028275 |
| Book / Page | 2892 / 5696 |
| Map Reference | CAB 6 PG 243&244 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 202100028275 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 5, 2021 |
| Property Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Document Number | 0000010874 |
| Book / Page | 2875 / 4409 |
| Map Reference | CAB 6 PG 243&244 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 202100010874 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Title Company | OLD TOWN TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4138 JAMES DR, CINCINNATI, OH 45245-1834 |
| Document Number | 0000010875 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 202100010875 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,197.00 | $103,260 (-) Land $15,790 Building $87,470 | |
| 2024 | Homeowner's exemption | $103,260 (-) Land $15,790 Building $87,470 | $295,000 (-) Land $45,100 Building $249,900 |
| 2023 | $10,270.00 (+123.12%) Homeowner's exemption | $103,260 (+30.71%) Land $15,790 Building $87,470 | $295,000 (+30.7%) Land $45,100 Building $249,900 |
| 2022 | $4,603.00 Homeowner's exemption | $79,000 Land $11,900 Building $67,100 | |
| 2020 | $225,700 Land $34,000 Building $191,700 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 233 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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