686 Loda Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 686 Loda Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1970
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2025)
Tax Bill	$3,585 (2025)
Deeds & Mortgages	Sep 2025 Sale Oct 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-42-06C-193`

Property Details

APN / Parcel Number

Primary APN	`41-42-06C-193`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	19,994 sqft (0.459 acres)
View / Lot	Cul-de-sac
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Patio Area	288 sqft
Shed	1 Shed
Shed Area	96 sqft
Canopy	288 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	686 LODA DR
City	CINCINNATI
State	OH
Zip	45245-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MURPH & MURPH 3A; LOT 193
Legal Subdivision	MURPH & MURPH 3A
Legal Lot Number	193
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41305

Owner

686 Loda Dr is owned and occupied by two individuals who bought it in September 2025.

Source: Clermont County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	686 LODA DR, CINCINNATI, OH 45245-2013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Warranty Deed, Transfer HOME SERVICES TITLE LLC
Oct 14, 2019	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on File
Deed Sale	Sep 12, 2025 · Amount on File
Prior Sale	Oct 14, 2019 · Amount on File
Deed Document Number	202518756
Deed Book / Page	3002 / 4181
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Sep 12, 2025
Property Address	686 LODA DR, CINCINNATI, OH 45245-2013
Document Number	0000018756
Book / Page	3002 / 4181
Map Reference	MB K PG 12
Instrument Date	Sep 10, 2025
Instrument	202500018756
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 LODA DR, CINCINNATI, OH 45245-2013

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 14, 2019
Property Address	686 LODA DR, CINCINNATI, OH 45245-2013
Document Number	0000023257
Book / Page	2820 / 5288
Map Reference	MB K PG 12
Instrument Date	Oct 8, 2019
Instrument	201900023257
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	LTOC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	686 LODA DR, CINCINNATI, OH 45245-2013

Mortgage

Document Number	0000023258
Date	Oct 14, 2019
Instrument	201900023258

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 686 Loda Dr was $3,585 with a homeowner's exemption, down 0.2% from the year before.

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	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,585.00 (-0.19%)	$71,230 (-) Land $16,770 Building $54,460
2024	$3,592.00 (-49.29%) Homeowner's exemption	$71,230 (-) Land $16,770 Building $54,460	$203,500 (-) Land $47,900 Building $155,600
2023	$7,084.00 (+147.78%) Homeowner's exemption	$71,230 (+45.16%) Land $16,770 Building $54,460	$203,500 Land $47,900 Building $155,600
2022	$2,859.00 Homeowner's exemption	$49,070 Land $11,550 Building $37,520
2020			$140,200 Land $33,000 Building $107,200

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.

Flood

FEMA maps place 686 Loda Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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	3 (1982–2002)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2002 · 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

Wildfire risk around 686 Loda 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.

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 60 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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