Clermont County property record for 545 Rancho Ln, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1977 |
| Lot Size | 0.35 acres (15,290 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Sep 2026) |
| Tax Bill | $2,378 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jul 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-41-20.-005A |
| Primary APN | 41-41-20.-005A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Lot Area | 15,290 sqft (0.35 acres) |
| View / Lot | Cul-de-sac |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Utility Building | 72 sqft |
| Heating System | Oil |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 545 RANCHO LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-2321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURKHARDT; LOT 5A; PENDING RANCHO LANE WATER PROJECT ASSMT |
| Legal Subdivision | BURKHARDT |
| Legal Lot Number | 5A |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 41403 |
545 Rancho Ln is owned and occupied by two individuals who bought it in September 2026.
Source: Clermont County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
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 |
|---|---|
| Sep 16, 2026 | Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 2, 2018 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Oct 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Prior Sale | Dec 29, 1994 · Amount on File |
| Deed Document Number | 202621440 |
| Deed Book / Page | 3034 / 483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Sep 16, 2026 |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Document Number | 0000021440 |
| Book / Page | 3034 / 483 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202621440 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $46,460.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Document Number | 0000012301 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 2948/280 |
| Instrument | 202300012301 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026297 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 2891/72 |
| Instrument | 202100026297 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000001 |
|---|---|
| Date | Jan 2, 2018 |
| Instrument | 201800000001 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024641 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 2822/0902 |
| Instrument | 201900024641 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 545 RANCHO LN, CINCINNATI, OH 45244-2321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000027970 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 2854/4680 |
| Instrument | 202000027970 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 545 Rancho Ln was $2,378 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 | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,378.00 | $57,400 Land $12,180 Building $45,220 | |
| 2024 | $164,000 (-) Land $34,800 Building $129,200 | ||
| 2023 | $5,709.00 (+217.52%) Homeowner's exemption | $57,400 (+44.88%) Land $12,180 Building $45,220 | $164,000 Land $34,800 Building $129,200 |
| 2022 | $1,798.00 Homeowner's exemption | $39,620 Land $8,400 Building $31,220 | |
| 2020 | $113,200 Land $24,000 Building $89,200 |
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 545 Rancho Ln in Zone X, an area of minimal flood risk.
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 risk around 545 Rancho Ln is low, with less than 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 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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 217 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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