Clermont County property record for 922 Carpenter Rd, Loveland, OH 45140
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,100 sqft · built 1976 |
| Lot Size | 0.668 acres (29,098 sqft) |
| Owner | Company Name on File |
| Last Sale | $150,000 (Feb 2021) |
| Tax Bill | $3,082 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-25-17C-256 |
| Primary APN | 18-25-17C-256 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 29,098 sqft (0.668 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 196 sqft |
|---|---|
| Patio Area | 680 sqft |
| Shed | 1 Shed |
| Shed Area | 220 sqft |
| Lean-To | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 922 CARPENTER RD |
|---|---|
| City | LOVELAND |
| State | OH |
| Zip | 45140-8104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNRISE ESTATES; LOT 5 |
| Legal Subdivision | SUNRISE ESTATES |
| Legal Lot Number | 5 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 40404 |
922 Carpenter Rd is owned by a company that bought it in February 2021.
Source: Clermont County records, as of April 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Apr 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING |
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING |
| Sep 26, 2025 | Deed of Trust, Mortgage · Line of Credit 922 CARPENTER RD PERSONAL PROPERTY TRUST |
| Apr 21, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Apr 19, 2021 | Deed of Trust, Mortgage · Line of Credit LAND RESOURCE LLC |
| Feb 2, 2021 | Warranty Deed, Transfer VICTOR E SOBOL |
| Feb 2, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2021 · Amount on File |
| Deed Sale | Feb 2, 2021 · Amount on File |
| Prior Sale | Jan 2, 2004 · Amount on File |
| Deed Document Number | 20213666 |
| Deed Book / Page | 2868 / 2201 |
| Prior Transfer Date | Jan 22, 2021 |
| Prior Transfer Doc | 0000003665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 3, 2026 |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Document Number | 0000007230 |
| Book / Page | 3019 / 3158 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20267230 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000007230, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 3019/3158 |
| Instrument | 20267230 |
| Name | AMERICAN HERITAGE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 10, 2026 |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Document Number | 0000007766 |
| Book / Page | 3020 / 480 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20267766 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000007766, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 3020/480 |
| Instrument | 20267766 |
| Name | AMERICAN HERITAGE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000020061 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 3003/5640 |
| Instrument | 202500020061 |
| Name | 922 CARPENTER RD PERSONAL PROPERTY TRUST |
|---|---|
| Type | Non-Lending Institution |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006887 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 2942/5029 |
| Instrument | 202300006887 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40207 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 21, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 198, MIAMIVILLE, OH 45147-0198 |
| Document Number | 0000012347 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 2877/1646 |
| Instrument | 202100012347 |
| Name | LAND RESOURCE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LOVELAND, OH 45140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Feb 2, 2021 |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Document Number | 0000003666 |
| Book / Page | 2868 / 2201 |
| Map Reference | MB P PG 33 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 202100003666 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| 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 |
|---|---|
| Address | 9361 MONTGOMERY RD STE D, D, MONTGOMERY, OH 45242-7738 |
| Document Number | 0000003667 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 2868/2204 |
| Instrument | 202100003667 |
| Name | VICTOR E SOBOL |
|---|---|
| Type | Private Party |
| Address | 4182 MARIVAL WAY, MASON, OH 45040 |
| Amount | Amount on Record |
|---|
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Feb 2, 2021 |
| Property Address | 922 CARPENTER RD, LOVELAND, OH 45140-8104 |
| Document Number | 0000003665 |
| Book / Page | 2868 / 2197 |
| Map Reference | MB P PG 33 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 202100003665 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 922 Carpenter Rd was $3,082.
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Miami Township |
| Unified School District | Milford Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,082.00 | $52,510 Land $21,180 Building $31,330 | |
| 2024 | $150,000 (-) Land $60,500 Building $89,500 | ||
| 2023 | $6,440.00 (+79.99%) | $52,510 (-8.96%) Land $21,180 Building $31,330 | $150,000 Land $60,500 Building $89,500 |
| 2022 | $3,578.00 | $57,680 Land $15,050 Building $42,630 | |
| 2020 | $164,800 Land $43,000 Building $121,800 |
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 922 Carpenter Rd 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 | 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 risk around 922 Carpenter Rd 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 279 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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