Clermont County property record for 4656 Melody Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,299 sqft · built 1992 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $280,000 (Aug 2019) |
| Tax Bill | $6,290 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-56-11.-023 |
| Primary APN | 41-56-11.-023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,299 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 24,829 sqft (0.57 acres) |
| Terrain | Above Road/Slope |
| View / Lot | Cul-de-sac |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 408 sqft |
|---|---|
| Patio Area | 408 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4656 MELODY LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN BLUFF; LOT 23 |
| Legal Subdivision | INDIAN BLUFF |
| Legal Lot Number | 23 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 41307 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4656 MELODY LN, CINCINNATI, OH 45245-1147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2019 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Aug 28, 2019 | Warranty Deed, Transfer · Conventional with PMI PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2019 · Amount on Record |
| Deed Sale | Aug 28, 2019 · Amount on Record |
| Prior Sale | Jun 8, 2012 · Amount on Record |
| Deed Document Number | 201918776 |
| Deed Book / Page | 2816 / 2771 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4656 MELODY LN, CINCINNATI, OH 45245-1147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | VALMER LAND TITLE AGENCY BOX |
| Name | Verified Name |
|---|
| Document Number | 0000016185 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 2813/5907 |
| Instrument | 201900016185 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 29, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 28, 2019 |
| Property Address | 4656 MELODY LN, CINCINNATI, OH 45245-1147 |
| Document Number | 0000018776 |
| Book / Page | 002816 / 002771 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 18776 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4656 MELODY LN CINCINNATI OH 452451147, CINCINNATI, OH 45245-1147 |
| Document Number | 18777 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 002816/002774 |
| Instrument | 18777 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2049 |
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,290.00 (-49.4%) | $124,990 (-) Land $23,140 Building $101,850 | |
| 2024 | $357,100 (-) Land $66,100 Building $291,000 | ||
| 2023 | $12,431.00 (+145.33%) Homeowner's exemption | $124,990 (+43.7%) Land $23,140 Building $101,850 | $357,100 (+43.7%) Land $66,100 Building $291,000 |
| 2022 | $5,067.00 Homeowner's exemption | $86,980 Land $16,100 Building $70,880 | |
| 2020 | $248,500 Land $46,000 Building $202,500 |
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.
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 | 3 in force |
| Nearby Flood Claims | 3 (1990–2003) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | May 2003 · river or lake flooding |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 158 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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