Clermont County property record for 458 Thomas Ln, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,588 sqft · built 1955 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Apr 2013) |
| Tax Bill | $3,549 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-42-09.-026 |
| Primary APN | 41-42-09.-026 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 1,148 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 19,994 sqft (0.459 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 440 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 112 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Canopy | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 458 THOMAS LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERY ACRES; LOT 26 |
| Legal Subdivision | EMERY ACRES |
| Legal Lot Number | 26 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 41406 |
Source: Clermont County records · APN 41-42-09.-026
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 02, 2025 | Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA |
| Jan 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA |
| Jul 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA |
| Feb 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 23, 2013 · Amount on Record |
| Deed Sale | Apr 23, 2013 · Amount on Record |
| Prior Sale | Aug 13, 1992 · Amount on Record |
| Deed Document Number | 201312105 |
| Deed Book / Page | 2448 / 512 |
| Prior Transfer Date | Oct 21, 2011 |
| Prior Transfer Doc | 0000024067 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Document Number | 0000020522 |
|---|---|
| Date | Oct 02, 2025 |
| Book Page | 3004/2637 |
| Instrument | 202500020522 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 210 Months |
| Due | Apr 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Document Number | 0000000546 |
|---|---|
| Date | Jan 11, 2023 |
| Book Page | 2936/5668 |
| Instrument | 202300000546 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 243 Months |
| Due | Apr 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Document Number | 0000018842 |
|---|---|
| Date | Jul 20, 2022 |
| Book Page | 2924/4846 |
| Instrument | 202200018842 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 249 Months |
| Due | Apr 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2021 |
| Name | Verified Name |
|---|---|
| Address | 458 THOMAS LN, CINCINNATI, OH 45244-1735 |
| Document Number | 0000005938 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 2870/2996 |
| Instrument | 202100005938 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 266 Months |
| Due | Apr 01, 2043 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,549.00 (-49.4%) | $70,530 (-) Land $15,820 Building $54,710 | |
| 2024 | $201,500 (-) Land $45,200 Building $156,300 | ||
| 2023 | $7,014.00 (+140.87%) Homeowner's exemption | $70,530 (+41.12%) Land $15,820 Building $54,710 | $201,500 (+41.11%) Land $45,200 Building $156,300 |
| 2022 | $2,912.00 Homeowner's exemption | $49,980 Land $11,200 Building $38,780 | |
| 2020 | $142,800 Land $32,000 Building $110,800 |
Source: FEMA National Flood Hazard Layer as of February 6, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 224 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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