896 Baccarat Dr, Cincinnati, OH 45245 Property Records

Clermont County property record for 896 Baccarat Dr, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,934 sqft · built 1999
Lot Size	0.599 acres (26,092 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2018)
Tax Bill	$7,221 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-32-17B-348`

Property Details

APN / Parcel Number

Primary APN	`41-32-17B-348`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,934 sqft Living Area
1st Floor Area	1,124 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	26,092 sqft (0.599 acres)
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	605 sqft
Porch	Porch
Porch Area	214 sqft
Deck Area	808 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	896 BACCARAT DR
City	CINCINNATI
State	OH
Zip	45245-1982
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL CREEK BLOCK D; LOT 78
Legal Subdivision	CRYSTAL CREEK
Legal Block	D
Legal Lot Number	78
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3010
Census Tract	41305

Owner

Source: Clermont County records, as of July 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	896 BACCARAT DR, CINCINNATI, OH 45245-1982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 10, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Sep 10, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Jan 31, 2000 · Amount on Record
Deed Document Number	201820466
Deed Book / Page	2791 / 1382
Prior Transfer Date	Sep 7, 2018
Prior Transfer Doc	0000020466
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	896 BACCARAT DR, CINCINNATI, OH 45245-1982
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007339
Date	Mar 14, 2022
Book Page	2914/1631
Instrument	202200007339

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Apr 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Sep 10, 2018
Property Address	896 BACCARAT DR, CINCINNATI, OH 45245-1982
Document Number	0000020466
Book / Page	2791 / 1382
Map Reference	PC 8 PG 188 & 189
Instrument Date	Sep 7, 2018
Instrument	201800020466
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 BACCARAT DR, CINCINNATI, OH 45245-1982

Mortgage

Document Number	0000020467
Date	Sep 10, 2018
Instrument	201800020467

Lender

Name	GUARDIAN SAVINGS BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	Sep 10, 2018
Property Address	896 BACCARAT DR, CINCINNATI, OH 45245-1982
Document Number	0000020465
Book / Page	002791 / 001379
Instrument Date	Sep 7, 2018
Instrument	20465
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 BACCARAT DR CINCINNATI OH 452451982, CINCINNATI, OH 45245-1982

Tax Assessment & Valuation

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	$7,221.00 (-49.37%)	$143,400 (-) Land $19,430 Building $123,970
2024			$409,700 (-) Land $55,500 Building $354,200
2023	$14,262.00 (+123.79%) Homeowner's exemption	$143,400 (+31.19%) Land $19,430 Building $123,970	$409,700 (+31.19%) Land $55,500 Building $354,200
2022	$6,373.00 Homeowner's exemption	$109,310 Land $14,700 Building $94,610
2020			$312,300 Land $42,000 Building $270,300

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

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

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

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 246 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

May also be available: T-Mobile.

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