937 Locust Ln, Cincinnati, OH 45245 Property Records

Clermont County property record for 937 Locust Ln, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,356 sqft · built 1996
Lot Size	0.982 acres (42,776 sqft)
Owner	2 Individual Names on File
Last Sale	$443,000 (Aug 2022)
Tax Bill	$7,166 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-59-02.-003`

Property Details

APN / Parcel Number

Primary APN	`41-59-02.-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,356 sqft Living Area
1st Floor Area	2,356 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	42,776 sqft (0.982 acres)
Terrain	Below Road/Slope
View / Lot	Cul-de-sac
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	736 sqft
Deck Area	96 sqft
Patio Area	690 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	937 LOCUST LN
City	CINCINNATI
State	OH
Zip	45245-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOCUST GROVE; LOT 3
Legal Subdivision	LOCUST GROVE
Legal Lot Number	3
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1004
Census Tract	41307

Owner

Source: Clermont County assessment roll, APN 41-59-02.-003, as of April 13, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	937 LOCUST LN, CINCINNATI, OH 45245-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Apr 18, 2013 · Amount on Record
Deed Document Number	202221060
Deed Book / Page	2926 / 5587
Prior Transfer Date	Mar 12, 2004
Prior Transfer Doc	0000010558
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Aug 16, 2022
Property Address	937 LOCUST LN, CINCINNATI, OH 45245-1313
Document Number	0000021060
Book / Page	2926 / 5587
Map Reference	CAB 4 PG 368&369
Instrument Date	Aug 10, 2022
Instrument	202200021060
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	937 LOCUST LN, CINCINNATI, OH 45245-1313

Mortgage

Document Number	0000021061
Date	Aug 16, 2022
Instrument	202200021061

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Clermont County assessment roll as of April 13, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,166.00 (-49.4%)	$142,380 (-) Land $17,570 Building $124,810
2024			$406,800 (-) Land $50,200 Building $356,600
2023	$14,161.00 (+125.64%) Homeowner's exemption	$142,380 (+32.16%) Land $17,570 Building $124,810	$406,800 (+32.16%) Land $50,200 Building $356,600
2022	$6,276.00 Homeowner's exemption	$107,730 Land $13,300 Building $94,430
2020			$307,800 Land $38,000 Building $269,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clermont County (39025C), as of February 6, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390250413071, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 141 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH1302212, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.