Clermont County property record for 946 N Apple Gate, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,388 sqft · built 2010 |
| Lot Size | 0.198 acres (8,629 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,100 (Jan 2011) |
| Tax Bill | $3,319 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-02B-198 |
| Primary APN | 41-31-02B-198 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,388 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Attic | Attic |
| Attic Area | 441 sqft |
| Basement Area | 836 sqft |
| Unfinished Basement | 836 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 8,629 sqft (0.198 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 300 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 946 N APPLE GATE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-7039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESTATES AT SHAYLER RIDGE AT WETHERBY FARMS; SECTION 3 LOT 173; SEE 413102B198T FOR TIF |
| Legal Subdivision | ESTATES AT SHAYLER RIDGE AT WETHERBY FAR |
| Legal Lot Number | 173 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41305 |
946 N Apple Gate is owned and occupied by an individual who bought it in January 2011.
Source: Clermont County records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 946 N APPLE GATE, CINCINNATI, OH 45245-7039 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2011 · Amount on File |
| Deed Sale | Jan 3, 2011 · Amount on File |
| Deed Document Number | 2011109 |
| Deed Book / Page | 2289 / 227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 946 N APPLE GATE, CINCINNATI, OH 45245-7039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006244 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 2832/5316 |
| Instrument | 202000006244 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2040 |
The 2025 property tax bill for 946 N Apple Gate was $3,319 with a homeowner's exemption, down 8.6% from the year before.
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 | $3,319.00 (-8.57%) | $670 (-) Land $670 | |
| 2024 | $3,630.00 (-49.84%) Homeowner's exemption | $670 (-) Land $670 | $1,900 (-) Land $1,900 |
| 2023 | $7,237.00 (+18,456.41%) Homeowner's exemption | $670 (-) Land $670 | $1,900 Land $1,900 |
| 2022 | $39.00 Homeowner's exemption | $670 Land $670 | |
| 2020 | $1,900 Land $1,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 946 N Apple Gate 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 946 N Apple Gate is low, with less than 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 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 364 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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