4580 Bells Ln, Cincinnati, OH 45244 Property Records

Clermont County property record for 4580 Bells Ln, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1957
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jul 2015)
Tax Bill	$3,195 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-41-13.-015`

Property Details

APN / Parcel Number

Primary APN	`41-41-13.-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,994 sqft (0.459 acres)
View / Lot	Cul-de-sac

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	156 sqft
Deck Area	194 sqft
Patio Area	246 sqft
Shed	1 Shed
Shed Area	144 sqft
Lean-To	153 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	4580 BELLS LN
City	CINCINNATI
State	OH
Zip	45244-1960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLES BELL; LOT 15
Legal Subdivision	CHARLES BELL
Legal Lot Number	15
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4007
Census Tract	41405

Owner

4580 Bells Ln is owned and occupied by an individual who bought it in July 2015.

Source: Clermont County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	4580 BELLS LN, CINCINNATI, OH 45244-1960
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEANUNITEDCOM LLC
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC
Jul 26, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2015 · Amount on File
Deed Sale	Jul 16, 2015 · Amount on File
Deed Document Number	201515874
Deed Book / Page	2585 / 1604
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4580 BELLS LN, CINCINNATI, OH 45244-1960
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020025
Date	Jun 21, 2021
Book Page	2884/4569
Instrument	202100020025

Lender

Name	LEANUNITEDCOM LLC
Type	Non-Lending Institution
Address	NORCROSS, GA 30093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4580 BELLS LN, CINCINNATI, OH 45244-1960
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021142
Date	Aug 12, 2020
Book Page	2847/5679
Instrument	202000021142

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4580 BELLS LN, CINCINNATI, OH 45244-1960
Document Number	0000016282
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4580 BELLS LN CINCINNATI OH 452441960, CINCINNATI, OH 45244-1960

Mortgage

Document Number	0000016282
Date	Aug 1, 2019
Book Page	002814/000719
Instrument	16282

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4580 Bells Ln was $3,195 with a homeowner's exemption.

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	$3,195.00	$63,420 Land $15,820 Building $47,600
2024			$181,200 (-) Land $45,200 Building $136,000
2023	$6,307.00 (+136.31%) Homeowner's exemption	$63,420 (+38.62%) Land $15,820 Building $47,600	$181,200 Land $45,200 Building $136,000
2022	$2,669.00 Homeowner's exemption	$45,750 Land $11,200 Building $34,550
2020			$130,700 Land $32,000 Building $98,700

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

FEMA maps place 4580 Bells Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4580 Bells Ln is low, with 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 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.

Nearby Properties on Bells Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures