Clermont County property record for 978 S Apple Gate, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,268 sqft · built 2005 |
| Lot Size | 0.255 acres (11,099 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $282,300 (Jun 2005) |
| Tax Bill | $2,540 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-02B-146 |
| Primary APN | 41-31-02B-146 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 198 sqft |
| Unfinished Basement | 198 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,099 sqft (0.255 acres) |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Deck Area | 220 sqft |
| Patio Area | 12 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 978 S APPLE GATE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-7016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EST AT SHAYLER RIDGE AT WETHERBY FARMS; SECTION 1 LOT 26; SEE 413102B146T FOR TIF |
| Legal Subdivision | EST AT SHAYLER RIDGE AT WETHERBY FARMS |
| Legal Lot Number | 26 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41305 |
Source: Clermont County records, as of July 21, 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 Record |
|---|---|
| Mailing Address | 978 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2005 · Amount on Record |
| Deed Sale | Jun 8, 2005 · Amount on Record |
| Deed Document Number | 200519975 |
| Deed Book / Page | 1883 / 1555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 978 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 978 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Document Number | 0000026058 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 3010/916 |
| Instrument | 202500026058 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 978 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000021772 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | 2927/3534 |
| Instrument | 202200021772 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | $2,540.00 (-15.31%) | $880 (-) Land $880 | |
| 2024 | $2,999.00 (-49.34%) Homeowner's exemption | $880 (-) Land $880 | $2,500 (-) Land $2,500 |
| 2023 | $5,920.00 (+11,507.84%) Homeowner's exemption | $880 (-) Land $880 | $2,500 (-) Land $2,500 |
| 2022 | $51.00 Homeowner's exemption | $880 Land $880 | |
| 2020 | $2,500 Land $2,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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 211 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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