Clermont County property record for 4163 James Dr, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,725 sqft · built 2017 |
| Lot Size | 0.471 acres (20,517 sqft) |
| Owner | Individual Name on File |
| Last Sale | $518,349 (Sep 2025) |
| Tax Bill | $7,232 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2025 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-42-17A-018 |
| Primary APN | 41-42-17A-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| 1st Floor Area | 1,695 sqft |
| Attic | Attic |
| Attic Area | 440 sqft |
| Basement Area | 847 sqft |
| Finished Basement | 847 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 20,517 sqft (0.471 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 533 sqft |
| Patio Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4163 JAMES DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VERNON OAKS 2; LOT 18 |
| Legal Subdivision | VERNON OAKS SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 41305 |
4163 James Dr is owned and occupied by an individual who bought it in September 2025.
Source: Clermont County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SHAREFAX CREDIT UNION |
| Sep 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Dec 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FSLA |
| Dec 31, 2019 | Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| May 11, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| May 11, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on File |
| Deed Sale | Sep 19, 2025 · Amount on File |
| Prior Sale | Dec 31, 2019 · Amount on File |
| Deed Document Number | 202519481 |
| Deed Book / Page | 3003 / 2238 |
| Prior Transfer Date | Oct 5, 2004 |
| Prior Transfer Doc | 0000047275 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 3, 2026 |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000017446 |
| Book / Page | 3029 / 5822 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202617446 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000017446, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 3029/5822 |
| Instrument | 202617446 |
| Name | SHAREFAX CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.79% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Sep 19, 2025 |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000019481 |
| Book / Page | 3003 / 2238 |
| Map Reference | MB I PG 8 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 202500019481 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000019482 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 202500019482 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0000027265 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 2797/4934 |
| Instrument | 201800027265 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002705 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 2867/2528 |
| Instrument | 202100002705 |
| Name | CINCINNATI FSLA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Dec 31, 2019 |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000029899 |
| Book / Page | 2827 / 0896 |
| Map Reference | MB I PG 8 |
| Instrument Date | Dec 24, 2019 |
| Instrument | 201900029899 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | OLD TOWN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| 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 |
| Investor | Possibly a Property Investor |
| Document Number | 0000029900 |
|---|---|
| Date | Dec 31, 2019 |
| Instrument | 201900029900 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | May 11, 2017 |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000010443 |
| Book / Page | 002704 / 001996 |
| Instrument Date | May 5, 2017 |
| Instrument | 10443 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 675 AMBER TRL CINCINNATI OH 452441368, CINCINNATI, OH 45244-1368 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | May 11, 2017 |
| Property Address | 4163 JAMES DR, CINCINNATI, OH 45245-1833 |
| Document Number | 0000010442 |
| Book / Page | 002704 / 001992 |
| Instrument Date | May 5, 2017 |
| Instrument | 10442 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 VINCA DR CINCINNATI OH 452371614, CINCINNATI, OH 45237-1614 |
The 2025 property tax bill for 4163 James Dr was $7,232, down 0.2% from the year before.
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 | $7,232.00 (-0.18%) | $140,390 (-) Land $15,790 Building $124,600 | |
| 2024 | $7,245.00 (-48.11%) | $140,390 (-) Land $15,790 Building $124,600 | $401,100 (-) Land $45,100 Building $356,000 |
| 2023 | $13,963.00 (+121.49%) | $140,390 (+32.68%) Land $15,790 Building $124,600 | $401,100 Land $45,100 Building $356,000 |
| 2022 | $6,304.00 | $105,810 Land $11,900 Building $93,910 | |
| 2020 | $302,300 Land $34,000 Building $268,300 |
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.
FEMA maps place 4163 James Dr 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 risk around 4163 James Dr is low, with less than 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 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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