Clermont County property record for 864 Locust Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,175 sqft · built 1955 |
| Lot Size | 0.4 acres (17,573 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,225 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-41-23B-015 |
| Primary APN | 41-41-23B-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,175 sqft Living Area |
| 1st Floor Area | 1,175 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 17,573 sqft (0.4 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 140 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 864 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALLAGHER BLK B; LOT 15 |
| Legal Subdivision | GALLAGHER |
| Legal Block | B |
| Legal Lot Number | 15 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 41307 |
864 Locust Ln is owned and occupied by an individual who acquired it in August 2016.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 864 LOCUST LN, CINCINNATI, OH 45245-1312 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 5, 2016 |
| Transfer Doc | 0000018277 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 864 Locust Ln was $2,225 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 | $2,225.00 | $54,360 Land $11,410 Building $42,950 | |
| 2024 | $155,300 (-) Land $32,600 Building $122,700 | ||
| 2023 | $5,406.00 (+167.49%) Homeowner's exemption | $54,360 (+25.14%) Land $11,410 Building $42,950 | $155,300 Land $32,600 Building $122,700 |
| 2022 | $2,021.00 Homeowner's exemption | $43,440 Land $9,100 Building $34,340 | |
| 2020 | $124,100 Land $26,000 Building $98,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 864 Locust Ln 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 | 4 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 864 Locust Ln 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 104 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 |
May also be available: Verizon.
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