4886 Klatte Rd, Cincinnati, OH 45244 Property Records

Clermont County property record for 4886 Klatte Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 2004
Lot Size	5.06 acres (220,588 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (May 2019)
Tax Bill	$16,138 (2023)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-11F-104`

Property Details

APN / Parcel Number

Primary APN	`41-31-11F-104`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,266 sqft Living Area
1st Floor Area	2,248 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	220,588 sqft (5.06 acres)
View / Lot	Cul-de-sac
Garage Area	657 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	216 sqft
Patio Area	265 sqft
Greenhouse	128 sqft
Poultry House	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4886 KLATTE RD
City	CINCINNATI
State	OH
Zip	45244-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CARRINGTON MILITARY SURVEY NUMBER 2434
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3004
Census Tract	41405

Owner

Source: Clermont County records, as of April 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jan 29, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 3, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Deed Document Number	20198830
Deed Book / Page	2807 / 293
Last Transfer Date	Mar 2, 2023
Transfer Doc	0000003460
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334

Mortgage

Document Number	0000004618
Date	Mar 18, 2024
Book Page	2963/3150
Instrument	202400004618

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jan 29, 2024
Property Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334
Document Number	0000001569
Book / Page	2960 / 4057
Instrument Date	Jan 25, 2024
Instrument	202400001569
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
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	4886 KLATTE RD, CINCINNATI, OH 45244-1334

Mortgage

Document Number	0000001570
Date	Jan 29, 2024
Instrument	202400001570

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334

Mortgage

Document Number	0000004438
Date	Mar 17, 2023
Book Page	2940/2932
Instrument	202300004438

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2053

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLERMONT OH
Recording Date	Mar 3, 2023
Property Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334
Document Number	0000003460
Book / Page	2939 / 3376
Instrument Date	Mar 2, 2023
Instrument	202300003460
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 KLATTE RD, CINCINNATI, OH 45244-1334

Tax Assessment & Valuation

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		$162,260 (-) Land $31,990 Building $130,270
2024			$463,600 (-) Land $91,400 Building $372,200
2023	$16,138.00 (+128.68%)	$162,260 (+36.99%) Land $31,990 Building $130,270	$463,600 (+37%) Land $91,400 Building $372,200
2022	$7,057.00	$118,450 Land $23,350 Building $95,100
2020			$338,400 Land $66,700 Building $271,700

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

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

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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