4635 Elmont Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 4635 Elmont Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,053 sqft · built 1960
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$256,500 (Mar 2021)
Tax Bill	$4,236 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Aug 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`41-41-02C-085`

Property Details

APN / Parcel Number

Primary APN	`41-41-02C-085`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,053 sqft Living Area
1st Floor Area	1,729 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	20,038 sqft (0.46 acres)
View / Lot	Cul-de-sac
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	336 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	240 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	4635 ELMONT DR
City	CINCINNATI
State	OH
Zip	45245-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERMONA 3; LOT 85
Legal Subdivision	VERMONA 3
Legal Lot Number	85
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Mailing Address	11570 MADISON AVE, CINCINNATI, OH 45246-2953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Fiduciary Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 21, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	20218649
Deed Book / Page	2873 / 2154
Prior Transfer Date	Dec 27, 2012
Prior Transfer Doc	0000000257
Record Updated	Jun 8, 2026

March 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLERMONT OH
Recording Date	Mar 18, 2021
Property Address	4635 ELMONT DR, CINCINNATI, OH 45245-1030
Document Number	0000008649
Book / Page	2873 / 2154
Map Reference	MB L PG 16
Instrument Date	Mar 16, 2021
Instrument	202100008649
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000008650
Date	Mar 18, 2021
Instrument	202100008650

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4635 ELMONT DR, CINCINNATI, OH 45245-1030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 ELMONT DR, CINCINNATI, OH 45245-1030

Mortgage

Document Number	0000018076
Date	Aug 21, 2019
Book Page	2815/5216
Instrument	201900018076

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,236.00 (-49.4%)	$84,180 (-) Land $14,810 Building $69,370
2024			$240,500 (-) Land $42,300 Building $198,200
2023	$8,372.00 (+125.6%) Homeowner's exemption	$84,180 (+32.15%) Land $14,810 Building $69,370	$240,500 (+32.14%) Land $42,300 Building $198,200
2022	$3,711.00 Homeowner's exemption	$63,700 Land $11,200 Building $52,500
2020			$182,000 Land $32,000 Building $150,000

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

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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