548 Pepper Ridge Rd, Cincinnati, OH 45244 Property Records

Clermont County property record for 548 Pepper Ridge Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,624 sqft · built 1977
Lot Size	0.488 acres (21,257 sqft)
Owner	Individual Name on File
Last Sale	$278,500 (Sep 2019)
Tax Bill	$5,660 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-31-10B-144`

Property Details

APN / Parcel Number

Primary APN	`39-31-10B-144`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,624 sqft Living Area
1st Floor Area	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,257 sqft (0.488 acres)
View / Lot	Cul-de-sac
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	80 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	160 sqft
Canopy	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	548 PEPPER RIDGE RD
City	CINCINNATI
State	OH
Zip	45244-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEPPER RIDGE II; LOT 55
Legal Subdivision	PEPPER RIDGE II
Legal Lot Number	55
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2008
Census Tract	41406

Owner

548 Pepper Ridge Rd is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	548 PEPPER RIDGE RD, CINCINNATI, OH 45244-1246
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 3, 2019	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2019 · Amount on File
Deed Sale	Sep 3, 2019 · Amount on File
Prior Sale	Jun 1, 1986 · Amount on File
Deed Document Number	201919265
Deed Book / Page	2816 / 5316
Prior Transfer Date	Aug 19, 2019
Prior Transfer Doc	0000019265
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	548 PEPPER RIDGE RD, CINCINNATI, OH 45244-1246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018696
Date	Aug 17, 2018
Book Page	2787/1717
Instrument	201800018696

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	548 PEPPER RIDGE RD, CINCINNATI, OH 45244-1246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012492
Date	Jun 17, 2019
Book Page	2810/2948
Instrument	201900012492

Lender

Name	PNC BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Sep 3, 2019
Property Address	548 PEPPER RIDGE RD, CINCINNATI, OH 45244-1246
Document Number	0000019265
Book / Page	2816 / 5316
Map Reference	MB S PG 34-37
Instrument Date	Aug 19, 2019
Instrument	201900019265
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	548 PEPPER RIDGE RD, CINCINNATI, OH 45244-1246

Mortgage

Document Number	0000019266
Date	Sep 3, 2019
Instrument	201900019266

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 548 Pepper Ridge Rd was $5,660 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	Milford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,660.00	$126,350 Land $18,410 Building $107,940
2024			$361,000 (-) Land $52,600 Building $308,400
2023	$15,263.00 (+199.45%) Homeowner's exemption	$126,350 (+50.22%) Land $18,410 Building $107,940	$361,000 Land $52,600 Building $308,400
2022	$5,097.00 Homeowner's exemption	$84,110 Land $12,250 Building $71,860
2020			$240,300 Land $35,000 Building $205,300

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

FEMA maps place 548 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

Wildfire risk around 548 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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