4646 Cardinal Dr, Cincinnati, OH 45244 Property Records

Clermont County property record for 4646 Cardinal Dr, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,564 sqft · built 1995
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$234,900 (Dec 2020)
Tax Bill	$4,323 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-05G-282`

Property Details

APN / Parcel Number

Primary APN	`41-31-05G-282`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,564 sqft Living Area
1st Floor Area	400 sqft
Basement Area	440 sqft
Unfinished Basement	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,803 sqft (0.248 acres)
View / Lot	Cul-de-sac
Garage Area	400 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	550 sqft
Patio Area	421 sqft
Shed	1 Shed
Shed Area	100 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	4646 CARDINAL DR
City	CINCINNATI
State	OH
Zip	45244-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDUBON PARK C; LOT 91
Legal Subdivision	AUDUBON PARK
Legal Lot Number	91
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41405

Owner

4646 Cardinal Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	525 PARK PL, CINCINNATI, OH 45244-2376
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
Dec 8, 2020	Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY
Jun 6, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Dec 30, 2016	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Prior Sale	Jun 6, 2018 · Amount on File
Deed Document Number	202034951
Deed Book / Page	2861 / 4922
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Dec 8, 2020
Property Address	4646 CARDINAL DR, CINCINNATI, OH 45244-1144
Document Number	0000034951
Book / Page	2861 / 4922
Map Reference	CAB 5 PG 204&205
Instrument Date	Oct 21, 2020
Instrument	202000034951
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount on Record
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
Address	RAPID MORTGAGE 7870 E KEMPER ROAD #280 # 280, 280, CINCINNATI, OH 45249

Mortgage

Document Number	0000034952
Date	Dec 8, 2020
Instrument	202000034952

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jun 6, 2018
Property Address	4646 CARDINAL DR, CINCINNATI, OH 45244-1144
Document Number	0000012611
Book / Page	002774 / 000563
Instrument Date	May 31, 2018
Instrument	12611
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 CARDINAL DR CINCINNATI OH 452441144, CINCINNATI, OH 45244-1144

Mortgage

Document Number	12612
Date	Jun 6, 2018
Book Page	002774/000565
Instrument	12612

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4646 CARDINAL DR, CINCINNATI, OH 45244-1144
Document Number	0000001265
Book / Page	002685 / 001268
Instrument Date	Dec 30, 2016
Transaction Type	Mortgage
Record Updated	Feb 15, 2017
Title Company	NORTHWEST TITLE COMPANY, NORTHWEST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4646 CARDINAL DR CINCINNATI OH 452441144, CINCINNATI, OH 45244-1144

Mortgage

Document Number	0000001265
Date	Jan 17, 2017
Book Page	002685/001268
Instrument	1265

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 16, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4646 Cardinal Dr was $4,323 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	$4,323.00	$85,900 Land $12,500 Building $73,400
2024			$245,400 (-) Land $35,700 Building $209,700
2023	$8,543.00 (+134.44%) Homeowner's exemption	$85,900 (+37.33%) Land $12,500 Building $73,400	$245,400 Land $35,700 Building $209,700
2022	$3,644.00 Homeowner's exemption	$62,550 Land $9,100 Building $53,450
2020			$178,700 Land $26,000 Building $152,700

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 4646 Cardinal Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4646 Cardinal Dr 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 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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