5389 Clover Leaf Ln, Cincinnati, OH 45239 Property Records

Hamilton County property record for 5389 Clover Leaf Ln, Cincinnati, OH 45239

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,968 sqft · built 1947
Lot Size	0.453 acres (19,733 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Nov 2022)
Tax Bill	$3,456 (2025)
Deeds & Mortgages	Nov 2022 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550-0071-0103-00`

Property Details

APN / Parcel Number

Primary APN	`550-0071-0103-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,968 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	1,330 sqft
Attic	Attic
Attic Area	638 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	19,733 sqft (0.453 acres)
Lot Dimensions	250 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	5389 CLOVER LEAF LN
City	CINCINNATI
State	OH
Zip	45239-7616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	CLOVER LEAF LN 80 X 250 PT LOT 6 SAM GOSLINGS ESTSUB
Legal Subdivision	SAM GOSLINGS EST
Legal Lot Number	6
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	3
Census Block	3003
Census Tract	20811

Owner

Source: Hamilton County records · APN 550-0071-0103-00

Assessment roll updated January 21, 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	2 Individual Names on File
Mailing Address	5389 CLOVER LEAF LN, CINCINNATI, OH 45239-7616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Prior Sale	Jan 14, 2010 · Amount on Record
Deed Document Number	2022106368
Deed Book / Page	14795 / 1219
Prior Transfer Date	May 09, 2012
Prior Transfer Doc	0000000720
Record Updated	Jun 08, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 16, 2022
Property Address	5389 CLOVER LEAF LN, CINCINNATI, OH 45239-7616
Document Number	0000106368
Book / Page	14795 / 1219
Map Reference	MB 4 PG 255
Instrument Date	Nov 14, 2022
Instrument	2022-0106368
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5389 CLOVER LEAF LN, CINCINNATI, OH 45239-7616

Mortgage

Document Number	0000106369
Date	Nov 16, 2022
Instrument	2022-0106369

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 01, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	10.5%

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Northwest Local 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	$3,456.00 (+2.61%)	$63,001 (+%) Land $14,130 Building $48,871	$180,000 (-) Land $40,370 Building $139,630
2024	$3,368.00 (-0.5%)	$62,999 (-) Land $14,129 Building $48,870
2023	$3,385.00 (+29.3%)	$62,999 (+29.86%) Land $14,129 Building $48,870	$180,000 (+29.86%) Land $40,370 Building $139,630
2022	$2,618.00 Homeowner's exemption	$48,514 Land $13,762 Building $34,752
2020			$138,610 Land $39,320 Building $99,290

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 22, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 363 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.