538 Shade Rd, Cincinnati, OH 45255 Property Records

Clermont County property record for 538 Shade Rd, Cincinnati, OH 45255

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,303 sqft · built 1997
Lot Size	2.46 acres (107,158 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,700 (Oct 2022)
Tax Bill	$7,725 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-28-09E-120`

Property Details

APN / Parcel Number

Primary APN	`28-28-09E-120`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,303 sqft Living Area
1st Floor Area	2,275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	107,158 sqft (2.46 acres)
View / Lot	Cul-de-sac
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Deck Area	350 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	538 SHADE RD
City	CINCINNATI
State	OH
Zip	45255-5068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOPPER HILL FARMS; LOT 29
Legal Subdivision	HOPPER HILL FARMS
Legal Lot Number	29
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1000
Census Tract	41506

Owner

Source: Clermont County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	538 SHADE RD, CINCINNATI, OH 45255-5068
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Nov 13, 1996 · Amount on Record
Deed Document Number	202225696
Deed Book / Page	2931 / 2142
Prior Transfer Date	Oct 2, 2003
Prior Transfer Doc	0000068971
Record Updated	Jun 8, 2026

October 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 12, 2022
Property Address	538 SHADE RD, CINCINNATI, OH 45255-5068
Document Number	0000025696
Book / Page	2931 / 2142
Map Reference	VOL T PG 21-23
Instrument Date	Oct 3, 2022
Instrument	202200025696
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
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	Living Trust
Address	538 SHADE RD, CINCINNATI, OH 45255-5068
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025697
Date	Oct 12, 2022
Book Page	2931/2144
Instrument	202200025697

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Pierce Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,725.00 (-21.1%)	$143,400 (-25.09%) Land $36,720 Building $106,680
2024	$9,791.00 (-47.06%) Homeowner's exemption	$191,420 (-) Land $36,720 Building $154,700	$546,900 (-) Land $104,900 Building $442,000
2023	$18,493.00 (+171.28%) Homeowner's exemption	$191,420 (+53.84%) Land $36,720 Building $154,700	$546,900 (+53.84%) Land $104,900 Building $442,000
2022	$6,817.00 Homeowner's exemption	$124,430 Land $23,870 Building $100,560
2020			$355,500 Land $68,200 Building $287,300

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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
AT&T Fixed Wireless	100 / 20