Clermont County property record for 496 Elm Dr, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,684 sqft · built 1959 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Jun 2026) |
| Tax Bill | $4,436 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Line of Credit Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-45-35.-020 |
| Primary APN | 28-45-35.-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| 1st Floor Area | 1,284 sqft |
| Game Room | Game Room |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 22,216 sqft (0.51 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 66 sqft |
| Patio Area | 76 sqft |
| Shed | 1 Shed |
| Shed Area | 198 sqft |
| Canopy | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 496 ELM DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-5002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELMWOOD; LOT 20 |
| Legal Subdivision | ELMWOOD |
| Legal Lot Number | 20 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 41506 |
Source: Clermont County records · APN 28-45-35.-020
Assessment roll updated April 13, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2026 | Warranty Deed, Transfer · Line of Credit STATEWIDE MORTGAGE |
| Feb 04, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jul 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Prior Sale | Jul 19, 2022 · Amount on Record |
| Deed Document Number | 202613564 |
| Deed Book / Page | 3025 / 5735 |
| Prior Transfer Date | Jan 22, 2026 |
| Prior Transfer Doc | 0000002553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 16, 2026 |
| Property Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000013564 |
| Book / Page | 3025 / 5735 |
| Instrument Date | May 22, 2026 |
| Instrument | 202613564 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147,460.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000013565, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 3025/5737 |
| Instrument | 202613565 |
| Name | STATEWIDE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 01, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Feb 04, 2026 |
| Property Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000002553 |
| Book / Page | 3014 / 4296 |
| Map Reference | MB H PG 28 |
| Instrument Date | Jan 22, 2026 |
| Instrument | 202600002553 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000002554 |
|---|---|
| Date | Feb 04, 2026 |
| Instrument | 202600002554 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jul 19, 2022 |
| Property Address | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000018684 |
| Book / Page | 2924 / 3803 |
| Map Reference | MB H PG 78 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 202200018684 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 496 ELM DR, CINCINNATI, OH 45255-5002 |
| Document Number | 0000018685 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 202200018685 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Pierce Township |
| Unified School District | West Clermont Local School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,436.00 (+5.29%) | $82,500 (-) Land $10,960 Building $71,540 | |
| 2024 | $4,213.00 (-47.14%) Homeowner's exemption | $82,500 (-) Land $10,960 Building $71,540 | $235,700 (-) Land $31,300 Building $204,400 |
| 2023 | $7,970.00 (+133.72%) Homeowner's exemption | $82,500 (+42.34%) Land $10,960 Building $71,540 | $235,700 (+42.33%) Land $31,300 Building $204,400 |
| 2022 | $3,410.00 Homeowner's exemption | $57,960 Land $7,700 Building $50,260 | |
| 2020 | $165,600 Land $22,000 Building $143,600 |
Source: FEMA National Flood Hazard Layer as of February 6, 2010 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 76 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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