4340 Mount Carmel Rd, Cincinnati, OH 45244 Property Records

Clermont County property record for 4340 Mount Carmel Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,194 sqft · built 2007
Lot Size	1.16 acres (50,922 sqft)
Owner	Individual Name on Record
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-31-10B-231`

Property Details

APN / Parcel Number

Primary APN	`39-31-10B-231`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,194 sqft Living Area
1st Floor Area	540 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Log
Lot Area	50,922 sqft (1.16 acres)

Exterior Amenities

Porch	Slab
Porch Area	324 sqft
Deck Area	648 sqft
Patio Area	648 sqft
Pole Barn	960 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	4340 MOUNT CARMEL RD
City	CINCINNATI
State	OH
Zip	45244-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06TY FROM 229.
Legal Subdivision	GEORGE WASHINGTONS MILITARY SURVEY #1775
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2006
Census Tract	41406

Owner

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	4302 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PEOPLES BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Aug 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 5, 2019
Transfer Doc	0000017279
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4340 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642

Mortgage

Document Number	0000015495
Date	Aug 24, 2023
Book Page	2951/643
Instrument	202300015495

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 19, 2033

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4340 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001199
Date	Jan 13, 2021
Book Page	2865/5743
Instrument	202100001199

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 12, 2019
Property Address	4340 MOUNT CARMEL RD, CINCINNATI, OH 45244-1642
Document Number	0000017279
Book / Page	002815 / 000730
Instrument Date	Jul 5, 2019
Instrument	17279
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 LINWOOD AVE CINCINNATI OH 452261402, CINCINNATI, OH 45226-1402

Tax Assessment & Valuation

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	Milford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,247.00 (-62.9%)	$72,460 (-) Land $18,800 Building $53,660
2024			$207,000 (-) Land $53,700 Building $153,300
2023	$8,753.00 (+146.7%) Homeowner's exemption	$72,460 (+23.82%) Land $18,800 Building $53,660	$207,000 (+23.8%) Land $53,700 Building $153,300
2022	$3,548.00 Homeowner's exemption	$58,520 Land $16,520 Building $42,000
2020			$167,200 Land $47,200 Building $120,000

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

Flood

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 Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2020 · 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.

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 7 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

May also be available: T-Mobile.

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