4645 Cardinal Dr, Cincinnati, OH 45244 Property Records

Clermont County property record for 4645 Cardinal Dr, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,052 sqft · built 1995
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jul 2020)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-31-05G-289`

Property Details

APN / Parcel Number

Primary APN	`41-31-05G-289`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,052 sqft Living Area
1st Floor Area	468 sqft
Basement Area	364 sqft
Finished Basement	364 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,106 sqft (0.232 acres)
View / Lot	Cul-de-sac
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	212 sqft
Deck Area	128 sqft
Patio Area	352 sqft
Shed	1 Shed
Shed Area	120 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	4645 CARDINAL DR
City	CINCINNATI
State	OH
Zip	45244-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK C; LOT 98
Legal Subdivision	AUDUBON PARK
Legal Lot Number	98
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41405

Owner

Source: Clermont County records · APN 41-31-05G-289

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	2 Individual Names on File
Mailing Address	4645 CARDINAL DR, CINCINNATI, OH 45244-1140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Jun 27, 1995 · Amount on Record
Deed Document Number	202019641
Deed Book / Page	2846 / 2744
Record Updated	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jul 31, 2020
Property Address	4645 CARDINAL DR, CINCINNATI, OH 45244-1140
Document Number	0000019641
Book / Page	2846 / 2744
Map Reference	CAB 5 PG 205&205
Instrument Date	Jul 28, 2020
Instrument	202000019641
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	4645 CARDINAL DR, CINCINNATI, OH 45244-1140

Mortgage

Document Number	0000019642
Date	Jul 31, 2020
Instrument	202000019642

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,820.00 (-48.21%)	$74,170 (-) Land $12,500 Building $61,670
2024			$211,900 (-) Land $35,700 Building $176,200
2023	$7,376.00 (+129.21%)	$74,170 (+37.33%) Land $12,500 Building $61,670	$211,900 (+37.33%) Land $35,700 Building $176,200
2022	$3,218.00	$54,010 Land $9,100 Building $44,910
2020			$154,300 Land $26,000 Building $128,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 6, 2010 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

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

May also be available: Verizon.

Based on FCC filings for 140 locations within half a mile of this property.

Drinking Water

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

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 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.