Clermont County property record for 646 Terrace View Dr, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,028 sqft · built 1977 |
| Lot Size | 0.484 acres (21,083 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,900 (Apr 2009) |
| Tax Bill | $3,348 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-42-48B-060 |
| Primary APN | 41-42-48B-060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,028 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 21,083 sqft (0.484 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 646 TERRACE VIEW DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-3413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALPINE VIEW 3; LOT 60 |
| Legal Subdivision | ALPINE VIEW |
| Legal Lot Number | 60 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 41404 |
646 Terrace View Dr is owned and occupied by an individual who bought it in April 2009.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 TERRACE VIEW DR, CINCINNATI, OH 45255-3413 |
| 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.
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 30, 2017 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2009 · Amount on File |
| Deed Sale | Apr 22, 2009 · Amount on File |
| Prior Sale | Sep 3, 2008 · Amount on File |
| Deed Document Number | 200910985 |
| Deed Book / Page | 2174 / 1619 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 646 TERRACE VIEW DR, CINCINNATI, OH 45255-3413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 646 TERRACE VIEW DR, CINCINNATI, OH 45255-3413 |
| Document Number | 0000019791 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 2925/4391 |
| Instrument | 202200019791 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 6, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 646 TERRACE VIEW DR, CINCINNATI, OH 45255-3413 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007024 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 2697/1171 |
| Instrument | 201700007024 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 646 Terrace View Dr was $3,348.
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 | $3,348.00 | $65,000 Land $11,970 Building $53,030 | |
| 2024 | $185,700 (-) Land $34,200 Building $151,500 | ||
| 2023 | $6,464.00 (+137.56%) | $65,000 (+42.29%) Land $11,970 Building $53,030 | $185,700 Land $34,200 Building $151,500 |
| 2022 | $2,721.00 | $45,680 Land $8,400 Building $37,280 | |
| 2020 | $130,500 Land $24,000 Building $106,500 |
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 646 Terrace View Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2019 · 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 risk around 646 Terrace View 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 | None beyond ember reach |
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 229 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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