Clermont County property record for 581 Pepper Ridge Rd, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,268 sqft · built 1976 |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $277,500 (Jul 2018) |
| Tax Bill | $5,016 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-31-10B-089 |
| Primary APN | 39-31-10B-089 |
|---|
| 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 | 2,268 sqft Living Area |
| 1st Floor Area | 1,134 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 24,611 sqft (0.565 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 40 sqft |
| Patio Area | 498 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 581 PEPPER RIDGE RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEPPER RIDGE; LOT 1 |
| Legal Subdivision | PEPPER RIDGE |
| Legal Lot Number | 1 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 41406 |
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 Record |
|---|---|
| Mailing Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Oct 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK |
| May 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Jul 6, 2018 | Survivorship Deed, Transfer · Conventional Mortgage PEOPLES BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2018 · Amount on Record |
| Deed Sale | Jul 6, 2018 · Amount on Record |
| Deed Document Number | 201815164 |
| Deed Book / Page | 2780 / 602 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000030406 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 2895/377 |
| Instrument | 202100030406 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022918 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 201700022918 |
| Name | PNC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000010600 |
|---|---|
| Date | May 24, 2019 |
| Book Page | 2808/4286 |
| Instrument | 201900010600 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000021301 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 2818/5163 |
| Instrument | 201900021301 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jul 6, 2018 |
| Property Address | 581 PEPPER RIDGE RD, CINCINNATI, OH 45244-1251 |
| Document Number | 0000015164 |
| Book / Page | 2780 / 602 |
| Map Reference | PB R PG 25-26 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 201800015164 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 105219, ATLANTA, GA 30348-5219 |
| Document Number | 0000015165 |
|---|---|
| Date | Jul 6, 2018 |
| Instrument | 201800015165 |
| Name | PEOPLES BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | Milford Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,016.00 (-62.92%) | $111,970 (-) Land $18,410 Building $93,560 | |
| 2024 | $319,900 (-) Land $52,600 Building $267,300 | ||
| 2023 | $13,526.00 (+199.51%) Homeowner's exemption | $111,970 (+50.25%) Land $18,410 Building $93,560 | $319,900 (+50.26%) Land $52,600 Building $267,300 |
| 2022 | $4,516.00 Homeowner's exemption | $74,520 Land $12,250 Building $62,270 | |
| 2020 | $212,900 Land $35,000 Building $177,900 |
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.
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.
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 | 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 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 |
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