560 Pepper Ridge Rd, Cincinnati, OH 45244 Property Records

Clermont County property record for 560 Pepper Ridge Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 1979
Lot Size	0.473 acres (20,604 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Nov 2021)
Tax Bill	$4,768 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`39-31-10B-112`

Property Details

APN / Parcel Number

Primary APN	`39-31-10B-112`

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	2,080 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	20,604 sqft (0.473 acres)
View / Lot	Cul-de-sac
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft
Patio Area	961 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	560 PEPPER RIDGE RD
City	CINCINNATI
State	OH
Zip	45244-1247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEPPER RIDGE II; LOT 24
Legal Subdivision	PEPPER RIDGE II
Legal Lot Number	24
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2015
Census Tract	41406

Owner

560 Pepper Ridge Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 16, 2021	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC
Feb 20, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 30, 2017	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Prior Sale	Feb 20, 2020 · Amount on File
Deed Document Number	202137367
Deed Book / Page	2902 / 691
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TITLE OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006308
Date	Feb 26, 2021
Book Page	2870/5770
Instrument	202100006308

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 16, 2021
Property Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247
Document Number	0000037367
Book / Page	2902 / 691
Map Reference	MB S PG 34-37
Instrument Date	Oct 22, 2021
Instrument	202100037367
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Right of Survivorship
Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247

Mortgage

Document Number	0000037368
Date	Nov 16, 2021
Instrument	202100037368

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLERMONT OH
Recording Date	Feb 20, 2020
Property Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247
Document Number	0000004280
Book / Page	002831 / 000161
Instrument Date	Feb 13, 2020
Instrument	4280
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	CINCINNATUS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$976.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 PEPPER RIDGE RD CINCINNATI OH 452441247, CINCINNATI, OH 45244-1247

Mortgage

Document Number	4281
Date	Feb 20, 2020
Book Page	002831/000163
Instrument	4281

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 30, 2017
Property Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247
Document Number	0000019902
Book / Page	2725 / 1108
Map Reference	PL MB S PG 34,35 AND
Instrument Date	Aug 24, 2014
Instrument	201700019902
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Right of Survivorship
Address	560 PEPPER RIDGE RD, CINCINNATI, OH 45244-1247

Mortgage

Document Number	0000019903
Date	Aug 30, 2017
Book Page	2725/1110
Instrument	201700019903

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 560 Pepper Ridge Rd was $4,768 with a homeowner's exemption, down 1.7% from the year before.

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	$4,768.00 (-1.71%)	$106,440 (-) Land $18,410 Building $88,030
2024	$4,851.00 (-62.27%) Homeowner's exemption	$106,440 (-) Land $18,410 Building $88,030	$304,100 (-) Land $52,600 Building $251,500
2023	$12,857.00 (+199.49%) Homeowner's exemption	$106,440 (+50.25%) Land $18,410 Building $88,030	$304,100 Land $52,600 Building $251,500
2022	$4,293.00 Homeowner's exemption	$70,840 Land $12,250 Building $58,590
2020			$202,400 Land $35,000 Building $167,400

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 560 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 560 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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