573 Pepper Ridge Rd, Cincinnati, OH 45244 Property Records

Clermont County property record for 573 Pepper Ridge Rd, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,026 sqft · built 1976
Lot Size	0.574 acres (25,003 sqft)
Owner	Individual Name on Record
Last Sale	$407,000 (May 2026)
Tax Bill	$4,217 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-31-10B-093`

Property Details

APN / Parcel Number

Primary APN	`39-31-10B-093`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,026 sqft Living Area
1st Floor Area	736 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	25,003 sqft (0.574 acres)
View / Lot	Cul-de-sac
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft
Shed	1 Shed
Shed Area	96 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	573 PEPPER RIDGE RD
City	CINCINNATI
State	OH
Zip	45244-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEPPER RIDGE; LOT 5
Legal Subdivision	PEPPER RIDGE
Legal Lot Number	5
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2008
Census Tract	41406

Owner

Source: Clermont County records, as of June 3, 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 Record
Mailing Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 15, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Deed Document Number	202611429
Deed Book / Page	3023 / 4793
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250

Mortgage

Document Number	0000009359
Date	May 30, 2023
Book Page	2945/1457
Instrument	202300009359

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2053

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250

Mortgage

Document Number	0000004444
Date	Mar 15, 2024
Book Page	2963/2167
Instrument	202400004444

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	May 21, 2026
Property Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250
Document Number	0000011429
Book / Page	3023 / 4793
Instrument Date	May 15, 2026
Instrument	202611429
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	PRODIGY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164,428.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	573 PEPPER RIDGE RD, CINCINNATI, OH 45244-1250

Mortgage

Document Number	0000011430,
Date	May 21, 2026
Instrument	202611430

Lender

Name	BAYSHORE MORTGAGE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$4,217.00 (-62.92%)	$94,150 (-) Land $18,410 Building $75,740
2024			$269,000 (-) Land $52,600 Building $216,400
2023	$11,373.00 (+199.53%) Homeowner's exemption	$94,150 (+50.28%) Land $18,410 Building $75,740	$269,000 (+50.28%) Land $52,600 Building $216,400
2022	$3,797.00 Homeowner's exemption	$62,650 Land $12,250 Building $50,400
2020			$179,000 Land $35,000 Building $144,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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