4989 Guards Ln, Cincinnati, OH 45244 Property Records

Clermont County property record for 4989 Guards Ln, Cincinnati, OH 45244 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,610 sqft · built 1996
Lot Size	0.533 acres (23,217 sqft)
Owner	Individual Name on File
Last Sale	$349,000 (Nov 2019)
Tax Bill	$6,915 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-31-10F-163`

Property Details

APN / Parcel Number

Primary APN	`39-31-10F-163`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,610 sqft Living Area
1st Floor Area	1,090 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	23,217 sqft (0.533 acres)
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Deck Area	193 sqft
Patio Area	543 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4989 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 188
Legal Subdivision	POLO FIELDS SUBDIVISION BLOCK D PART 2
Legal Lot Number	188
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1016
Census Tract	41406

Owner

Source: Clermont County records · APN 39-31-10F-163

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	4989 GUARDS LN, CINCINNATI, OH 45244-1091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2019 · Amount on Record
Deed Sale	Nov 05, 2019 · Amount on Record
Prior Sale	Mar 22, 2004 · Amount on Record
Deed Document Number	201925170
Deed Book / Page	2822 / 3994
Record Updated	Jun 08, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 05, 2019
Property Address	4989 GUARDS LN, CINCINNATI, OH 45244-1091
Document Number	0000025170
Book / Page	2822 / 3994
Map Reference	CAB 6 PG 121&122
Instrument Date	Oct 30, 2019
Instrument	201900025170
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Joint Tenants with Right of Survivorship
Address	4989 GUARDS LN, CINCINNATI, OH 45244-1091

Mortgage

Document Number	0000025171
Date	Nov 05, 2019
Instrument	201900025171

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

Tax Assessment & Valuation

Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	Milford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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	$6,915.00 (-62.91%)	$154,360 (-) Land $27,410 Building $126,950
2024			$441,000 (-) Land $78,300 Building $362,700
2023	$18,646.00 (+176.32%) Homeowner's exemption	$154,360 (+38.64%) Land $27,410 Building $126,950	$441,000 (+38.64%) Land $78,300 Building $362,700
2022	$6,748.00 Homeowner's exemption	$111,340 Land $19,780 Building $91,560
2020			$318,100 Land $56,500 Building $261,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clermont County (39025C), updated February 6, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390250414061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 1 of 2 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.