Clermont County property record for 972 White Oak Rd, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,906 sqft · built 1970 |
| Lot Size | 7.23 acres (314,939 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $115,000 (Jul 1987) |
| Tax Bill | $6,133 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jun 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-28-13F-112 |
| Primary APN | 28-28-13F-112 |
|---|
| 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 | 1,906 sqft Living Area |
| 1st Floor Area | 1,060 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 540 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 314,939 sqft (7.23 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 294 sqft |
| Deck Area | 35 sqft |
| Patio Area | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Wood |
| Street Address | 972 WHITE OAK RD |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-3023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 41505 |
972 White Oak Rd is owned by a company that acquired it in May 2025 and is owner-occupied.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 972 WHITE OAK RD, CINCINNATI, OH 45245-3023 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Jun 6, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1987 · Amount on File |
| Deed Sale | Jul 1, 1987 · Amount on File |
| Last Transfer Date | May 7, 2025 |
| Transfer Doc | 0000010682 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 972 WHITE OAK RD, CINCINNATI, OH 45245-3023 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000016024 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 2951/3756 |
| Instrument | 202300016024 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 6, 2017 |
| Property Address | 972 WHITE OAK RD, CINCINNATI, OH 45245-3023 |
| Document Number | 0000012550 |
| Book / Page | 002709 / 001014 |
| Instrument Date | May 26, 2017 |
| Instrument | 12550 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 972 WHITE OAK RD AMELIA OH 45102, AMELIA, OH 45102 |
The 2025 property tax bill for 972 White Oak Rd was $6,133 with a homeowner's exemption.
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Pierce Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,133.00 | $113,580 Land $39,970 Building $73,610 | |
| 2024 | $324,500 (-) Land $114,200 Building $210,300 | ||
| 2023 | $10,972.00 (+131.33%) Homeowner's exemption | $113,580 (+41.52%) Land $39,970 Building $73,610 | $324,500 Land $114,200 Building $210,300 |
| 2022 | $4,743.00 Homeowner's exemption | $80,260 Land $28,000 Building $52,260 | |
| 2020 | $229,300 Land $80,000 Building $149,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 972 White Oak 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 972 White Oak 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 116 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.
5G (outdoors only) and 4G LTE
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