Clermont County property record for 4146 Drummore Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,152 sqft · built 1996 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $238,500 (Aug 2019) |
| Tax Bill | $5,612 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-14E-420 |
| Primary APN | 41-32-14E-420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,152 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 144 sqft |
| Unfinished Basement | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,064 sqft (0.254 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 50 sqft |
| Patio Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4146 DRUMMORE LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDINBURGH PLACE C; LOT 121 |
| Legal Subdivision | EDINBURGH PLACE |
| Legal Lot Number | 121 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41404 |
Source: Clermont County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 17, 2017 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Jun 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| May 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 2, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2019 · Amount on Record |
| Deed Sale | Aug 2, 2019 · Amount on Record |
| Prior Sale | Apr 1, 1996 · Amount on Record |
| Deed Document Number | 201916557 |
| Deed Book / Page | 2814 / 2387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013950 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 2878/4880 |
| Instrument | 202100013950 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD TOWN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000026982 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 201700026982 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013281 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 2775/1851 |
| Instrument | 201800013281 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010408 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 2837/1671 |
| Instrument | 202000010408 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 2, 2019 |
| Property Address | 4146 DRUMMORE LN, CINCINNATI, OH 45245-1671 |
| Document Number | 0000016557 |
| Book / Page | 2814 / 2387 |
| Map Reference | CAB 5 PG 51&52 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 201900016557 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0000016558 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 201900016558 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
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 | $5,612.00 (-49.4%) | $111,510 (-) Land $15,680 Building $95,830 | |
| 2024 | $318,600 (-) Land $44,800 Building $273,800 | ||
| 2023 | $11,090.00 (+146.55%) Homeowner's exemption | $111,510 (+44.42%) Land $15,680 Building $95,830 | $318,600 (+44.42%) Land $44,800 Building $273,800 |
| 2022 | $4,498.00 Homeowner's exemption | $77,210 Land $10,850 Building $66,360 | |
| 2020 | $220,600 Land $31,000 Building $189,600 |
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.
Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2019 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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 294 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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