Clermont County property record for 639 Ellen Dr, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,944 sqft · built 2001 |
| Lot Size | 0.259 acres (11,282 sqft) |
| Owner | Individual Name on File |
| Last Sale | $363,000 (Aug 2023) |
| Tax Bill | $5,274 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-32-16E-252 |
| Primary APN | 41-32-16E-252 |
|---|
| 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 | 1,944 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 192 sqft |
| Unfinished Basement | 192 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,282 sqft (0.259 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 26 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 639 ELLEN DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-4916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AMBER RIDGE; LOT 14 |
| Legal Subdivision | AMBER RIDGE |
| Legal Lot Number | 14 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 41201 |
639 Ellen Dr is owned and occupied by an individual who bought it in August 2023.
Source: Clermont County records, as of May 5, 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 | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2024 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Aug 22, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 18, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 16, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on File |
| Deed Sale | Aug 22, 2023 · Amount on File |
| Prior Sale | Feb 14, 2008 · Amount on File |
| Deed Document Number | 202315293 |
| Deed Book / Page | 2950 / 5455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Document Number | 0000008104 |
|---|---|
| Date | May 7, 2024 |
| Book Page | 2967/206 |
| Instrument | 202400008104 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 22, 2023 |
| Property Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Document Number | 0000015293 |
| Book / Page | 2950 / 5455 |
| Map Reference | MB 9 PG 43&44 |
| Instrument Date | Aug 18, 2023 |
| Instrument | 202300015293 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Document Number | 0000015294 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 202300015294 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005071 |
|---|---|
| Date | Feb 18, 2022 |
| Book Page | 2912/495 |
| Instrument | 202200005071 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 639 ELLEN DR, CINCINNATI, OH 45255-4916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000009952 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 2808/0751 |
| Instrument | 201900009952 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Apr 10, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,274.00 (-48.2%) | $102,380 (-) Land $20,900 Building $81,480 | |
| 2024 | $292,500 (-) Land $59,700 Building $232,800 | ||
| 2023 | $10,182.00 (+142.49%) Homeowner's exemption | $102,380 (+42.06%) Land $20,900 Building $81,480 | $292,500 (+42.06%) Land $59,700 Building $232,800 |
| 2022 | $4,199.00 Homeowner's exemption | $72,070 Land $14,700 Building $57,370 | |
| 2020 | $205,900 Land $42,000 Building $163,900 |
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.
FEMA maps place 639 Ellen Dr in Zone X, an area of minimal flood risk.
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 |
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 risk around 639 Ellen Dr 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 | 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 181 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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