Clermont County property record for 4657 Cardinal Dr, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,344 sqft · built 1994 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,100 (Aug 2026) |
| Tax Bill | $4,134 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-05G-292 |
| Primary APN | 41-31-05G-292 |
|---|---|
| Alternative APN |
|
| 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 | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Cul-De-Sac |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 332 sqft |
| Patio Area | 322 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 41-31-05G-0292 |
|---|---|
| Street Address | 4657 CARDINAL DR |
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDUBON PARK C; LOT 104 |
| Legal Subdivision | AUDUBON PARK |
| Legal Lot Number | 104 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41405 |
4657 Cardinal Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Clermont County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Dec 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 19, 2019 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2026 · Amount on File |
| Deed Sale | Aug 27, 2026 · Amount on File |
| Prior Sale | Dec 19, 2019 · Amount on File |
| Deed Document Number | 202619862 |
| Deed Book / Page | 3032 / 2485 |
| Prior Transfer Date | Sep 3, 2004 |
| Prior Transfer Doc | 0000046499 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 27, 2026 |
| Property Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Document Number | 0000019862 |
| Book / Page | 3032 / 2485 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 202619862 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2026 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125,280.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Document Number | 0000019863, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 202619863 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000038977 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 2903/4307 |
| Instrument | 202100038977 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | STEVENSON RANCH, CA 91381 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Dec 19, 2019 |
| Property Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Document Number | 0000029169 |
| Book / Page | 2826 / 2616 |
| Map Reference | CAB 5 PG 204&205 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 201900029169 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Title Company | MATTINGLY FORD TTL SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4657 CARDINAL DR, CINCINNATI, OH 45244-1140 |
| Document Number | 0000029170 |
|---|---|
| Date | Dec 19, 2019 |
| Instrument | 201900029170 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 4657 Cardinal Dr was $4,134.
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 | $4,134.00 | $82,150 Land $12,500 Building $69,650 | $234,700 (-) Land $35,700 Building $199,000 |
| 2024 | $234,700 (-) Land $35,700 Building $199,000 | ||
| 2023 | $8,170.00 (+134.43%) Homeowner's exemption | $82,150 (+37.33%) Land $12,500 Building $69,650 | $234,700 Land $35,700 Building $199,000 |
| 2022 | $3,485.00 Homeowner's exemption | $59,820 Land $9,100 Building $50,720 | |
| 2020 | $170,900 Land $26,000 Building $144,900 |
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.
FEMA maps place 4657 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 risk around 4657 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 | None beyond ember reach |
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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