Clermont County property record for 654 Amber Trl, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,912 sqft · built 1996 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Individual Name on File |
| Last Sale | $146,000 (May 1996) |
| Tax Bill | $4,877 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-05G-178 |
| Primary APN | 41-31-05G-178 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,912 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 13,983 sqft (0.321 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 185 sqft |
| Deck Area | 312 sqft |
| Patio Area | 526 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 654 AMBER TRL |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-1366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARKLAND A; LOT 85 |
| Legal Subdivision | PARKLAND A |
| Legal Lot Number | 85 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41405 |
654 Amber Trl is owned and occupied by an individual who bought it in May 1996.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 654 AMBER TRL, CINCINNATI, OH 45244-1366 |
| 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 |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage GUARANTY TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 1996 · Amount on File |
| Deed Sale | May 22, 1996 · Amount on File |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 654 AMBER TRL, CINCINNATI, OH 45244-1366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000012113 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 2838/5799 |
| Instrument | 202000012113 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 654 AMBER TRL, CINCINNATI, OH 45244-1366 |
| Document Number | 0000001154 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Title Company | CINCINNATUS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 654 AMBER TRL CINCINNATI OH 452441366, CINCINNATI, OH 45244-1366 |
| Document Number | 0000001154 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 002800/002142 |
| Instrument | 1154 |
| Name | GUARANTY TR |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 16, 2044 |
The 2025 property tax bill for 654 Amber Trl was $4,877 with a homeowner's exemption.
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 | $4,877.00 | $96,820 Land $17,050 Building $79,770 | |
| 2024 | $276,600 (-) Land $48,700 Building $227,900 | ||
| 2023 | $9,629.00 (+134.23%) Homeowner's exemption | $96,820 (+37.35%) Land $17,050 Building $79,770 | $276,600 Land $48,700 Building $227,900 |
| 2022 | $4,111.00 Homeowner's exemption | $70,490 Land $12,250 Building $58,240 | |
| 2020 | $201,400 Land $35,000 Building $166,400 |
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.
FEMA maps place 654 Amber Trl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 6, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 654 Amber Trl 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 224 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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