974 White Oak Rd, Cincinnati, OH 45245 Property Records

Clermont County property record for 974 White Oak Rd, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1959
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Oct 2017)
Tax Bill	$2,308 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage May 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28-47-20.-001`

Property Details

APN / Parcel Number

Primary APN	`28-47-20.-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	988 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	44,867 sqft (1.03 acres)
View / Lot	Cul-de-sac
Patio Area	50 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	974 WHITE OAK RD
City	CINCINNATI
State	OH
Zip	45245-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KNAUSE; LOT 1
Legal Subdivision	ARCHER KNAUSE SUB
Legal Lot Number	1
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1001
Census Tract	41505

Owner

974 White Oak Rd is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	974 WHITE OAK RD, CINCINNATI, OH 45245-3023
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 24, 2017	Quit Claim Deed, Transfer KEMBA CU
May 24, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Deed Document Number	201724836
Prior Transfer Date	Oct 4, 2017
Prior Transfer Doc	0000024836
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 24, 2017
Property Address	974 WHITE OAK RD, CINCINNATI, OH 45245-3023
Document Number	0000024836
Book / Page	002735 / 002459
Instrument Date	Oct 2, 2017
Instrument	24836
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	TECHNITITLE

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	974 WHITE OAK RD CINCINNATI OH 452453023, CINCINNATI, OH 45245-3023

Mortgage

Document Number	24837
Date	Oct 24, 2017
Book Page	002735/002462
Instrument	24837

Lender

Name	KEMBA CU
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	May 24, 2017
Property Address	974 WHITE OAK RD, CINCINNATI, OH 45245-3023
Document Number	0000011558
Book / Page	002707 / 000469
Instrument Date	Mar 17, 2017
Instrument	11558
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 MEADOW DR #7 CRESCENT SPRINGS KY 41017, 7, CRESCENT SPRINGS, KY 41017

Tax Assessment & Valuation

The 2025 property tax bill for 974 White Oak Rd was $2,308 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Pierce Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,308.00	$53,070 Land $21,110 Building $31,960
2024			$151,600 (-) Land $60,300 Building $91,300
2023	$5,127.00 (+134%) Homeowner's exemption	$53,070 (+42.51%) Land $21,110 Building $31,960	$151,600 Land $60,300 Building $91,300
2022	$2,191.00 Homeowner's exemption	$37,240 Land $14,770 Building $22,470
2020			$106,400 Land $42,200 Building $64,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 974 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

Wildfire risk around 974 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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