Clermont County property record for 4157 James Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,208 sqft · built 1997 |
| Lot Size | 0.461 acres (20,081 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Apr 1999) |
| Tax Bill | $5,292 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-15C-111 |
| Primary APN | 41-32-15C-111 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,208 sqft Living Area |
| 1st Floor Area | 807 sqft |
| Basement Area | 1,079 sqft |
| Finished Basement | 883 sqft |
| Unfinished Basement | 196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 20,081 sqft (0.461 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 274 sqft |
| Patio Area | 64 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4157 JAMES DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VERNON OAKS BLOCK B; LOT 21 |
| Legal Subdivision | VERNON OAKS |
| Legal Block | B |
| Legal Lot Number | 21 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 41305 |
Source: Clermont County records, as of October 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 | 4157 JAMES DR, CINCINNATI, OH 45245-1833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2026 | Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN BANK |
| Sep 16, 2025 | Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK |
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 1999 · Amount on Record |
| Deed Sale | Apr 16, 1999 · Amount on Record |
| Prior Sale | Sep 25, 1997 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 11, 2026 |
| Property Address | 4157 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000013231 |
| Book / Page | 3025 / 3709 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202613231 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4157 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000013231, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 3025/3709 |
| Instrument | 202613231 |
| Name | GERMAN AMERICAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4157 JAMES DR, CINCINNATI, OH 45245-1833 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000019142 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 3003/187 |
| Instrument | 202500019142 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | FT MITCHELL, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 20, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4157 JAMES DR, CINCINNATI, OH 45245-1833 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001444 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 2908/2412 |
| Instrument | 202200001444 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
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 | $5,292.00 (-53.85%) | $115,300 (-) Land $15,790 Building $99,510 | |
| 2024 | $329,400 (-) Land $45,100 Building $284,300 | ||
| 2023 | $11,467.00 (+152.08%) Homeowner's exemption | $115,300 (+32.77%) Land $15,790 Building $99,510 | $329,400 (+32.77%) Land $45,100 Building $284,300 |
| 2022 | $4,549.00 Homeowner's exemption | $86,840 Land $11,900 Building $74,940 | |
| 2020 | $248,100 Land $34,000 Building $214,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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