938 Locust Ln, Cincinnati, OH 45245 Property Records

Clermont County property record for 938 Locust Ln, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,924 sqft · built 1990
Lot Size	5.8 acres (252,648 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Nov 2020)
Tax Bill	$7,851 (2025)
Deeds & Mortgages	Oct 2024 Transfer Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-59-02D-014`

Property Details

APN / Parcel Number

Primary APN	`41-59-02D-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,924 sqft Living Area
1st Floor Area	1,060 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	252,648 sqft (5.8 acres)
Terrain	Below Road/Slope
View / Lot	Cul-de-sac
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	440 sqft
Deck Area	147 sqft
Patio Area	1,287 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	938 LOCUST LN
City	CINCINNATI
State	OH
Zip	45245-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOCUST GROVE; LOT 14
Legal Subdivision	LOCUST GROVE
Legal Lot Number	14
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1005
Census Tract	41307

Owner

938 Locust Ln is owned and occupied by two individuals who acquired it in October 2024.

Source: Clermont County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	938 LOCUST LN, CINCINNATI, OH 45245-1314
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2024	Transfer on Death Deed, Transfer
Nov 13, 2020	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Deed Document Number	202032178
Deed Book / Page	2859 / 297
Last Transfer Date	Oct 28, 2024
Transfer Doc	0000021016
Record Updated	Oct 29, 2026

October 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 29, 2024
Property Address	938 LOCUST LN, CINCINNATI, OH 45245-1314
Document Number	0000021016
Book / Page	2980 / 180
Map Reference	CAB 4 PG 368&369
Instrument Date	Oct 24, 2024
Instrument	202400021016
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	938 LOCUST LN, CINCINNATI, OH 45245-1314

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 13, 2020
Property Address	938 LOCUST LN, CINCINNATI, OH 45245-1314
Document Number	0000032178
Book / Page	2859 / 297
Map Reference	CAB 5 PG 140&141
Instrument Date	Nov 12, 2020
Instrument	202000032178
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount on Record
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	938 LOCUST LN, CINCINNATI, OH 45245-1314

Mortgage

Document Number	0000032179
Date	Nov 13, 2020
Instrument	202000032179

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 938 Locust Ln was $7,851 with a homeowner's exemption, down 0.2% from the year before.

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	$7,851.00 (-0.19%)	$155,370 (-) Land $41,440 Building $113,930
2024	$7,866.00 (-49.1%) Homeowner's exemption	$155,370 (-) Land $41,440 Building $113,930	$443,900 (-) Land $118,400 Building $325,500
2023	$15,453.00 (+123.31%) Homeowner's exemption	$155,370 (+31.32%) Land $41,440 Building $113,930	$443,900 Land $118,400 Building $325,500
2022	$6,920.00 Homeowner's exemption	$118,310 Land $31,330 Building $86,980
2020			$338,000 Land $89,500 Building $248,500

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

FEMA maps place 938 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

Wildfire risk around 938 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.

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 104 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

May also be available: Verizon.

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