Clermont County property record for 4987 Guards Ln, Cincinnati, OH 45244 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,548 sqft · built 1996 |
| Lot Size | 1.9 acres (82,764 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Oct 2013) |
| Tax Bill | $8,538 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-31-10F-162 |
| Primary APN | 39-31-10F-162 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,548 sqft Living Area |
| 1st Floor Area | 1,408 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 460 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 82,764 sqft (1.9 acres) |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 83 sqft |
| Deck Area | 28 sqft |
| Patio Area | 940 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4987 GUARDS LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1091 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POLO FIELDS II-D; LOT 187 |
| Legal Subdivision | POLO FIELDS SUBDIVISION |
| Legal Lot Number | 187 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 41406 |
Source: Clermont County records · APN 39-31-10F-162
Assessment roll updated April 13, 2026 · Last verified April 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 | 4987 GUARDS LN, CINCINNATI, OH 45244-1091 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Oct 08, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 18, 2013 · Amount on Record |
| Deed Sale | Oct 18, 2013 · Amount on Record |
| Prior Sale | Jun 15, 2007 · Amount on Record |
| Deed Document Number | 201330980 |
| Deed Book / Page | 2485 / 2212 |
| Prior Transfer Date | Jan 28, 2013 |
| Prior Transfer Doc | 0000004552 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4987 GUARDS LN, CINCINNATI, OH 45244-1091 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000034625 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 2899/1885 |
| Instrument | 202100034625 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4987 GUARDS LN, CINCINNATI, OH 45244-1091 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000022737 |
|---|---|
| Date | Oct 08, 2019 |
| Book Page | 2820/2221 |
| Instrument | 201900022737 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4987 GUARDS LN, CINCINNATI, OH 45244-1091 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000036081 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 2863/336 |
| Instrument | 202000036081 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | Milford Exempted Village School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,538.00 (-62.91%) | $190,580 (-) Land $27,410 Building $163,170 | |
| 2024 | $544,500 (-) Land $78,300 Building $466,200 | ||
| 2023 | $23,022.00 (+176.28%) Homeowner's exemption | $190,580 (+38.61%) Land $27,410 Building $163,170 | $544,500 (+38.62%) Land $78,300 Building $466,200 |
| 2022 | $8,333.00 Homeowner's exemption | $137,490 Land $19,780 Building $117,710 | |
| 2020 | $392,800 Land $56,500 Building $336,300 |
Source: FEMA National Flood Hazard Layer, Clermont County (39025C), updated February 6, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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