4855 Gemstone Ct, Mason, OH 45040 Property Records

Warren County property record for 4855 Gemstone Ct, Mason, OH 45040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,594 sqft · built 2002
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,600 (Nov 2014)
Tax Bill	$7,649 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-25-490-007-0`

Property Details

APN / Parcel Number

Primary APN	`12-25-490-007-0`
Alternative APNs	`1225490007` `1132493`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,594 sqft Living Area
Gross Area	3,846 sqft
1st Floor Area	592 sqft
2nd Floor Area	1,501 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Lot Area	16,640 sqft (0.382 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1132493
Street Address	4855 GEMSTONE CT
City	MASON
State	OH
Zip	45040-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEATHERSTONE 2 LOT 52
Legal Subdivision	WEATHERSTONE 2
Legal Block	493
Legal Lot Number	52
Jurisdiction	WARREN OH
Township / Civil Division	MASON
Census Block Group	2
Census Block	2029
Census Tract	31905

Owner

Source: Warren County records, as of August 20, 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	4855 GEMSTONE CT, MASON, OH 45040-3309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Mar 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2014 · Amount on Record
Deed Sale	Nov 4, 2014 · Amount on Record
Prior Sale	Jan 23, 2003 · Amount on Record
Deed Document Number	201429708
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jun 17, 2026
Property Address	4855 GEMSTONE CT, MASON, OH 45040-3309
Document Number	0000016652
Instrument Date	May 19, 2026
Instrument	202616652
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 GEMSTONE CT, MASON, OH 45040-3309

Mortgage

Document Number	0000016652,
Date	Jun 17, 2026
Instrument	202616652

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.23%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4855 GEMSTONE CT, MASON, OH 45040-3309
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021048229
Date	Oct 25, 2021
Instrument	2021-048229

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	2.24%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.24%
Index	Prime Rate
Max Rate	8.24%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4855 GEMSTONE CT, MASON, OH 45040-3309
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021011040
Date	Mar 10, 2021
Instrument	2021-011040

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4855 GEMSTONE CT, MASON, OH 45040-3309
Document Number	0000040724
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4855 GEMSTONE CT MASON OH 450403309, MASON, OH 45040-3309

Mortgage

Document Number	0000040724
Date	Oct 14, 2020
Instrument	40724

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	4855 GEMSTONE CT, MASON, OH 45040-3309
Document Number	0000009215
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	May 3, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4855 GEMSTONE CT MASON OH 450403309, MASON, OH 45040-3309

Mortgage

Document Number	0000009215
Date	Apr 16, 2019
Instrument	9215

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
Municipality	Mason City
Unified School District	Mason City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,649.00 (+12.11%)	$189,410 (+33.34%) Land $49,000 Building $140,410	$541,170 (+33.34%) Land $140,000 Building $401,170
2023	$6,823.00 (+1.31%) Homeowner's exemption	$142,048 (-) Land $30,800 Building $111,248
2022	$6,735.00 Homeowner's exemption	$142,048 Land $30,800 Building $111,248	$405,850 (-) Land $88,000 Building $317,850
2021			$405,850 Land $88,000 Building $317,850

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 June 25, 2025 · 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	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 287 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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