Clermont County property record for 532 Pepper Ridge Rd, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,008 sqft · built 1980 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,000 (Jun 2017) |
| Tax Bill | $5,453 (2025) |
| Deeds & Mortgages | Aug 2017 Transfer Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-31-10B-140 |
| Primary APN | 39-31-10B-140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| 1st Floor Area | 1,134 sqft |
| Basement Area | 874 sqft |
| Finished Basement | 874 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 19,994 sqft (0.459 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 114 sqft |
| Deck Area | 289 sqft |
| Patio Area | 289 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 532 PEPPER RIDGE RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEPPER RIDGE II; LOT 51 |
| Legal Subdivision | PEPPER RIDGE II |
| Legal Lot Number | 51 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 41406 |
532 Pepper Ridge Rd is owned and occupied by an individual who acquired it in August 2017.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 532 PEPPER RIDGE RD, CINCINNATI, OH 45244-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2017 · Amount on File |
| Deed Sale | Jun 30, 2017 · Amount on File |
| Prior Sale | Jan 12, 1998 · Amount on File |
| Deed Document Number | 201714626 |
| Deed Book / Page | 2713 / 1608 |
| Last Transfer Date | Aug 8, 2017 |
| Transfer Doc | 0000018423 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 14, 2017 |
| Property Address | 532 PEPPER RIDGE RD, CINCINNATI, OH 45244-1218 |
| Document Number | 0000018423 |
| Book / Page | 002722 / 000368 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 18423 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 PEPPER RIDGE RD CINCINNATI OH 452441218, CINCINNATI, OH 45244-1218 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 30, 2017 |
| Property Address | 532 PEPPER RIDGE RD, CINCINNATI, OH 45244-1218 |
| Document Number | 0000014626 |
| Book / Page | 2713 / 1608 |
| Map Reference | PL MB S PG 34-37 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 2017-00014626 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0000014627 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 2713/1610 |
| Instrument | 201700014627 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 532 Pepper Ridge Rd was $5,453 with a homeowner's exemption.
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 | $5,453.00 | $121,730 Land $18,410 Building $103,320 | |
| 2024 | $347,800 (-) Land $52,600 Building $295,200 | ||
| 2023 | $14,705.00 (+199.43%) Homeowner's exemption | $121,730 (+50.23%) Land $18,410 Building $103,320 | $347,800 Land $52,600 Building $295,200 |
| 2022 | $4,911.00 Homeowner's exemption | $81,030 Land $12,250 Building $68,780 | |
| 2020 | $231,500 Land $35,000 Building $196,500 |
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 532 Pepper Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2020 · rainfall accumulation |
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 532 Pepper Ridge Rd 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 | Direct burnable vegetation |
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 135 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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