4576 Bells Ln, Cincinnati, OH 45244 Property Records

Clermont County property record for 4576 Bells Ln, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,824 sqft · built 1952
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Oct 2025)
Tax Bill	$3,523 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-41-13.-006`

Property Details

APN / Parcel Number

Primary APN	`41-41-13.-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	893 sqft
Basement Area	140 sqft
Unfinished Basement	140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	19,994 sqft (0.459 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	993 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Patio Area	80 sqft
Shed	1 Shed
Shed Area	100 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	4576 BELLS LN
City	CINCINNATI
State	OH
Zip	45244-1947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLES BELL; LOT 6
Legal Subdivision	CHARLES BELL
Legal Lot Number	6
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4007
Census Tract	41405

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	2 Individual Names on Record
Mailing Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Aug 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Apr 3, 2025 · Amount on Record
Deed Document Number	202521617
Deed Book / Page	3005 / 3325
Prior Transfer Date	May 22, 2025
Prior Transfer Doc	0000010265
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 15, 2025
Property Address	4576 BELLS LN, CINCINNATI, OH 45244-1947
Document Number	0000021617
Book / Page	3005 / 3325
Map Reference	MB E PG 13
Instrument Date	Oct 10, 2025
Instrument	202500021617
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0000021618
Date	Oct 15, 2025
Instrument	202500021618

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4576 BELLS LN, CINCINNATI, OH 45244-1947
Document Number	0000020373
Instrument Date	Aug 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4576 BELLS LN CINCINNATI OH 452441947, CINCINNATI, OH 45244-1947

Mortgage

Document Number	0000020373
Date	Aug 6, 2020
Book Page	002847/001006
Instrument	20373

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4576 BELLS LN, CINCINNATI, OH 45244-1947
Document Number	0000028042
Book / Page	002742 / 002081
Instrument Date	Nov 25, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4576 BELLS LN CINCINNATI OH 452441947, CINCINNATI, OH 45244-1947

Mortgage

Document Number	0000028042
Date	Dec 1, 2017
Book Page	002742/002081
Instrument	28042

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2047

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	$3,523.00 (-13.88%)	$81,060 (-) Land $15,820 Building $65,240
2024	$4,091.00 (-49.26%) Homeowner's exemption	$81,060 (-) Land $15,820 Building $65,240	$231,600 (-) Land $45,200 Building $186,400
2023	$8,062.00 (+136.28%) Homeowner's exemption	$81,060 (+38.59%) Land $15,820 Building $65,240	$231,600 (+38.6%) Land $45,200 Building $186,400
2022	$3,412.00 Homeowner's exemption	$58,490 Land $11,200 Building $47,290
2020			$167,100 Land $32,000 Building $135,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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

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 292 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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