4581 Elmont Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4581 Elmont Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,716 sqft · built 1955
Lot Size	0.46 acres (20,038 sqft)
Owner	Trust Name on Record
Tax Bill	$2,732 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2025 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`41-41-02A-041`

Property Details

APN / Parcel Number

Primary APN	`41-41-02A-041`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
1st Floor Area	1,276 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	20,038 sqft (0.46 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	180 sqft
Canopy	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4581 ELMONT DR
City	CINCINNATI
State	OH
Zip	45245-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERMONA; LOT 41
Legal Subdivision	VERMONA SUB ADD NO 1
Legal Lot Number	41
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1006
Census Tract	41405

Owner

Source: Clermont County records, as of July 16, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Fiduciary Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Jan 7, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Feb 24, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Oct 25, 2017	Quit Claim Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Oct 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 18, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2017
Deed Sale	Oct 25, 2017
Prior Sale	Nov 8, 2004 · Amount on Record
Deed Document Number	201724852
Prior Transfer Date	Oct 6, 2017
Prior Transfer Doc	0000024852
Record Updated	Sep 20, 2026

July 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLERMONT OH
Recording Date	Jul 20, 2026
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Document Number	0000016382
Book / Page	3028 / 5038
Instrument Date	Jul 14, 2026
Instrument	202616382
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008

Mortgage

Document Number	0000016383,
Date	Jul 20, 2026
Instrument	202616383

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008

Mortgage

Document Number	0000000181
Date	Jan 7, 2025
Book Page	2984/4186
Instrument	202500000181

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2054

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029357
Date	Dec 18, 2017
Instrument	201700029357

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2047

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022535
Date	Oct 4, 2018
Book Page	2793/3715
Instrument	201800022535

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 25, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029008
Date	Dec 18, 2019
Book Page	2826/1592
Instrument	201900029008

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006206
Date	Mar 12, 2020
Book Page	2832/5161
Instrument	202000006206

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004504
Date	Feb 24, 2020
Book Page	2831/1409
Instrument	202000004504

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 25, 2017
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Document Number	0000024853
Map Reference	PB G PG 1
Instrument Date	Oct 10, 2017
Instrument	201700024853
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024854
Date	Oct 25, 2017
Instrument	201700024854

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 25, 2017
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Document Number	0000024852
Book / Page	002736 / 000013
Instrument Date	Oct 6, 2017
Instrument	24852
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 COMMONS CIR BATAVIA OH 451037116, BATAVIA, OH 45103-7116

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	Aug 18, 2017
Property Address	4581 ELMONT DR, CINCINNATI, OH 45245-1008
Document Number	0000018954
Book / Page	002723 / 000759
Instrument Date	May 8, 2017
Instrument	18954
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 COMMONS CIR BATAVIA OH 451037116, BATAVIA, OH 45103-7116

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	$2,732.00 (-0.83%)	$64,440 (-) Land $14,810 Building $49,630
2024	$2,755.00 (-57.01%) Homeowner's exemption	$64,440 (-) Land $14,810 Building $49,630	$184,100 (-) Land $42,300 Building $141,800
2023	$6,409.00 (+172.84%) Homeowner's exemption	$64,440 (+31.32%) Land $14,810 Building $49,630	$184,100 (+31.31%) Land $42,300 Building $141,800
2022	$2,349.00 Homeowner's exemption	$49,070 Land $11,200 Building $37,870
2020			$140,200 Land $32,000 Building $108,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 140 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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