Clermont County property record for 873 Locust Ln, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,166 sqft · built 1962 |
| Lot Size | 0.42 acres (18,386 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Mar 2023) |
| Tax Bill | $2,991 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jan 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-41-23B-047 |
| Primary APN | 41-41-23B-047 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| 1st Floor Area | 1,166 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 18,386 sqft (0.42 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Patio Area | 174 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Lean-To | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 873 LOCUST LN |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALLAGHER BLK B; LOT 47 |
| Legal Subdivision | GALLAGHER |
| Legal Block | B |
| Legal Lot Number | 47 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 41307 |
873 Locust Ln is owned and occupied by an individual who bought it in March 2023.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| 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 |
|---|---|
| Mar 15, 2023 | Fiduciary Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 13, 2023 | Warranty Deed, Transfer |
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Feb 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on File |
| Deed Sale | Mar 15, 2023 · Amount on File |
| Prior Sale | Jan 13, 2023 · Amount on File |
| Deed Document Number | 20234266 |
| Deed Book / Page | 2940 / 1939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Mar 15, 2023 |
| Property Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| Document Number | 0000004266 |
| Book / Page | 2940 / 1939 |
| Map Reference | MB E PG 66 |
| Instrument Date | Mar 7, 2023 |
| Instrument | 202300004266 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| 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 | Right of Survivorship |
| Address | 973 LOCUST LN, CINCINNATI, OH 45245-1313 |
| Document Number | 0000004267 |
|---|---|
| Date | Mar 15, 2023 |
| Instrument | 202300004267 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jan 13, 2023 |
| Property Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| Document Number | 0000000804 |
| Book / Page | 2937 / 954 |
| Map Reference | MB E PG 66 |
| Instrument Date | Jan 3, 2023 |
| Instrument | 202300000804 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD, TEMPE, AZ 85288-7094 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| Document Number | 0000012275 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 2918/4990 |
| Instrument | 202200012275 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 873 LOCUST LN, CINCINNATI, OH 45245-1311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000004123 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 2911/1229 |
| Instrument | 202200004123 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2025 property tax bill for 873 Locust Ln was $2,991 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 | $2,991.00 | $59,430 Land $11,410 Building $48,020 | |
| 2024 | $169,800 (-) Land $32,600 Building $137,200 | ||
| 2023 | $5,910.00 (+161.85%) Homeowner's exemption | $59,430 (+25.12%) Land $11,410 Building $48,020 | $169,800 Land $32,600 Building $137,200 |
| 2022 | $2,257.00 Homeowner's exemption | $47,500 Land $9,100 Building $38,400 | |
| 2020 | $135,700 Land $26,000 Building $109,700 |
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 873 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 873 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 | 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 | 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 221 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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