Clermont County property record for 8700 Koszo Dr, Cincinnati, OH 45255
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 1958 |
| Lot Size | 0.895 acres (38,986 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jan 2026) |
| Tax Bill | $3,817 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-42-13.-009 |
| Primary APN | 41-42-13.-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 38,986 sqft (0.895 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 874 sqft |
|---|---|
| Patio Area | 792 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 8700 KOSZO DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45255-4812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KOSZO; LOT 9 |
| Legal Subdivision | KOSZO |
| Legal Lot Number | 9 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 41404 |
8700 Koszo Dr is owned and occupied by two individuals who bought it in January 2026.
Source: Clermont County records, as of April 13, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage GUARDIAN SAVINGS BANK |
| Nov 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jun 25, 2024 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Jan 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Dec 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Jul 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on File |
| Deed Sale | Jan 14, 2026 · Amount on File |
| Prior Sale | Jul 13, 2017 · Amount on File |
| Deed Document Number | 20261011 |
| Deed Book / Page | 3013 / 555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000006464 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 2913/3118 |
| Instrument | 202200006464 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Document Number | 0000024573 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 3008/3940 |
| Instrument | 202500024573 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Document Number | 0000011625 |
|---|---|
| Date | Jun 25, 2024 |
| Book Page | 2970/2979 |
| Instrument | 202400011625 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | May 22, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jan 14, 2026 |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Document Number | 0000001011 |
| Book / Page | 3013 / 555 |
| Map Reference | MB G PG 44 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 202600001011 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Mail Care Of | GUARDIAN SAVINGS BANK |
| Document Number | 0000001012 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 202600001012 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | PROMINENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000003594 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 201800003594 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000027401 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 2824/4266 |
| Instrument | 201900027401 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jul 13, 2017 |
| Property Address | 8700 KOSZO DR, CINCINNATI, OH 45255-4812 |
| Document Number | 0000015805 |
| Book / Page | 002716 / 001147 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 15805 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2017 |
| Title Company | SERVICELINK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8700 KOSZO DR CINCINNATI OH 452554812, CINCINNATI, OH 45255-4812 |
| Document Number | 15806 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 002716/001149 |
| Instrument | 15806 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 12, 2027 |
The 2025 property tax bill for 8700 Koszo Dr was $3,817 with a homeowner's exemption, down 0.2% from the year before.
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 | $3,817.00 (-0.18%) | $75,740 (-) Land $15,750 Building $59,990 | |
| 2024 | $3,824.00 (-49.24%) Homeowner's exemption | $75,740 (-) Land $15,750 Building $59,990 | $216,400 (-) Land $45,000 Building $171,400 |
| 2023 | $7,533.00 (+110.3%) Homeowner's exemption | $75,740 (+23.38%) Land $15,750 Building $59,990 | $216,400 Land $45,000 Building $171,400 |
| 2022 | $3,582.00 Homeowner's exemption | $61,390 Land $12,600 Building $48,790 | |
| 2020 | $175,400 Land $36,000 Building $139,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8700 Koszo Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storms And Flooding |
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 8700 Koszo 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 | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 156 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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