Clermont County property record for 4998 Guards Ln, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,786 sqft · built 1997 |
| Lot Size | 0.464 acres (20,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Aug 2016) |
| Tax Bill | $7,662 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer May 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-31-10F-158 |
| Primary APN | 39-31-10F-158 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,786 sqft Living Area |
| 1st Floor Area | 966 sqft |
| Basement Area | 1,136 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 536 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,212 sqft (0.464 acres) |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 620 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 743 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4998 GUARDS LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POLO FIELDS II-D; LOT 183 |
| Legal Subdivision | POLO FIELDS |
| Legal Lot Number | 183 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 41406 |
4998 Guards Ln is owned and occupied by an individual who acquired it in December 2025.
Source: Clermont County records, as of April 13, 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 File |
|---|---|
| Mailing Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Dec 9, 2025 | Intrafamily Transfer, Transfer |
| May 15, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 7, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2016 · Amount on File |
| Deed Sale | Aug 10, 2016 · Amount on File |
| Prior Sale | Jul 7, 1997 · Amount on File |
| Deed Document Number | 201617621 |
| Deed Book / Page | 2653 / 2066 |
| Last Transfer Date | Dec 3, 2025 |
| Transfer Doc | 0000026085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Dec 9, 2025 |
| Property Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Document Number | 0000026085 |
| Book / Page | 3010 / 1100 |
| Map Reference | CAB 6 PG 121&122 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 202500026085 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Name | Verified Name |
|---|---|
| Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Document Number | 0000008337 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 2944/1546 |
| Instrument | 202300008337 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 22, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 4998 GUARDS LN, CINCINNATI, OH 45244-1090 |
| Document Number | 0000006672 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 2913/4203 |
| Instrument | 202200006672 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4998 Guards Ln was $7,662 with a homeowner's exemption, down 1.7% from the year before.
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | Milford Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,662.00 (-1.71%) | $170,810 (-) Land $27,410 Building $143,400 | |
| 2024 | $7,795.00 (-62.22%) Homeowner's exemption | $170,810 (-) Land $27,410 Building $143,400 | $488,000 (-) Land $78,300 Building $409,700 |
| 2023 | $20,633.00 (+170.45%) Homeowner's exemption | $170,810 (+35.93%) Land $27,410 Building $143,400 | $488,000 Land $78,300 Building $409,700 |
| 2022 | $7,629.00 Homeowner's exemption | $125,660 Land $19,780 Building $105,880 | |
| 2020 | $359,000 Land $56,500 Building $302,500 |
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.
FEMA maps place 4998 Guards Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · 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 | 2 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 risk around 4998 Guards Ln is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 155 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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