442 Thomas Ln, Cincinnati, OH 45244 Property Records

Clermont County property record for 442 Thomas Ln, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,677 sqft · built 1956
Lot Size	0.811 acres (35,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,500 (Nov 2017)
Tax Bill	$3,991 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-42-09.-031`

Property Details

APN / Parcel Number

Primary APN	`41-42-09.-031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,677 sqft Living Area
1st Floor Area	912 sqft
Game Room	Game Room

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	35,327 sqft (0.811 acres)
View / Lot	Cul-de-sac
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	211 sqft
Patio Area	176 sqft
Canopy	220 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	442 THOMAS LN
City	CINCINNATI
State	OH
Zip	45244-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERY ACRES; LOT 31
Legal Subdivision	EMERY ACRES
Legal Lot Number	31
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2010
Census Tract	41406

Owner

Source: Clermont County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	442 THOMAS LN, CINCINNATI, OH 45244-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage CADENCE BANK NA
Nov 6, 2017	Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA
Jun 27, 2017	Grant Deed, Transfer MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS
Jun 27, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2017 · Amount on Record
Deed Sale	Nov 6, 2017 · Amount on Record
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	201725867
Prior Transfer Date	Dec 9, 2016
Prior Transfer Doc	0000030118
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	442 THOMAS LN, CINCINNATI, OH 45244-1735
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 THOMAS LN, CINCINNATI, OH 45244-1735

Mortgage

Document Number	0000040210
Date	Dec 10, 2021
Book Page	2904/5844
Instrument	202100040210

Lender

Name	CADENCE BANK NA
Type	Bank
Address	DULUTH, GA 30097

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Nov 29, 2031

November 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 6, 2017
Property Address	442 THOMAS LN, CINCINNATI, OH 45244-1735
Document Number	0000025867
Map Reference	PB G PG 27
Instrument Date	Oct 20, 2017
Instrument	201700025867
Transaction Type	Subdivision Related Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$706.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

Mortgage

Document Number	0000025868
Date	Nov 6, 2017
Instrument	201700025868

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLERMONT OH
Recording Date	Jun 27, 2017
Property Address	442 THOMAS LN, CINCINNATI, OH 45244-1735
Document Number	0000014311
Book / Page	002712 / 002439
Instrument Date	May 17, 2017
Instrument	14311
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$112.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5875 E ANSON DR CINCINNATI OH 45245, CINCINNATI, OH 45245

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	Jun 27, 2017
Property Address	442 THOMAS LN, CINCINNATI, OH 45244-1735
Document Number	0000014310
Book / Page	002712 / 002435
Instrument Date	May 17, 2017
Instrument	14310
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13707 SW 91ST CT MIAMI FL 331766873, MIAMI, FL 33176-6873

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	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,991.00 (-49.4%)	$79,310 (-) Land $15,820 Building $63,490
2024			$226,600 (-) Land $45,200 Building $181,400
2023	$7,888.00 (+140.85%) Homeowner's exemption	$79,310 (+41.1%) Land $15,820 Building $63,490	$226,600 (+41.1%) Land $45,200 Building $181,400
2022	$3,275.00 Homeowner's exemption	$56,210 Land $11,200 Building $45,010
2020			$160,600 Land $32,000 Building $128,600

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.

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 200 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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