981 White Oak Rd, Cincinnati, OH 45245 Property Records

Clermont County property record for 981 White Oak Rd, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,134 sqft · built 1950
Lot Size	2.68 acres (116,915 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2020)
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-13E-043`

Property Details

APN / Parcel Number

Primary APN	`27-28-13E-043`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
1st Floor Area	950 sqft
Attic	Attic
Attic Area	184 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	116,915 sqft (2.68 acres)
View / Lot	Cul-de-sac
Garage Type	Detached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Shed	1 Shed
Shed Area	130 sqft
Lean-To	240 sqft
Utility Building	35 sqft

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Gas

Location & Zoning

Street Address	981 WHITE OAK RD
City	CINCINNATI
State	OH
Zip	45245-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	EDDINS SURVEY #1366
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	3
Census Block	3004
Census Tract	41505

Owner

Source: Clermont County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit AIM CU
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTERN OHIO MORTGAGE CORP
Mar 5, 2020	Survivorship Deed, Transfer · Line of Credit WESTERN OHIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	Nov 25, 2013 · Amount on Record
Deed Document Number	20205575
Deed Book / Page	2832 / 1346
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	0000005575
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Recording Date	Jun 23, 2026
Property Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Document Number	0000014105
Book / Page	3026 / 2844
Instrument Date	Jun 10, 2026
Instrument	202614105
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014105,
Date	Jun 23, 2026
Book Page	3026/2844
Instrument	202614105

Lender

Name	HERITAGE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024534
Date	Sep 27, 2022
Book Page	2930/1373
Instrument	202200024534

Lender

Name	AIM CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028550
Date	Oct 14, 2020
Book Page	2855/2343
Instrument	202000028550

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company
Address	SIDNEY, OH 45365

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CLERMONT OH
Recording Date	Mar 5, 2020
Property Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022
Document Number	0000005575
Book / Page	2832 / 1346
Map Reference	VOL T-15L
Instrument Date	Feb 28, 2020
Instrument	202000005575
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	981 WHITE OAK RD, CINCINNATI, OH 45245-3022

Mortgage

Document Number	0000005576
Date	Mar 5, 2020
Instrument	202000005576

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	New Richmond Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,637.00 (-47.49%)	$60,700 (-) Land $29,440 Building $31,260
2024			$173,400 (-) Land $84,100 Building $89,300
2023	$5,022.00 (+130.79%) Homeowner's exemption	$60,700 (+42.02%) Land $29,440 Building $31,260	$173,400 (+42.01%) Land $84,100 Building $89,300
2022	$2,176.00 Homeowner's exemption	$42,740 Land $20,510 Building $22,230
2020			$122,100 Land $58,600 Building $63,500

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

Source: FEMA National Flood Hazard Layer, effective February 6, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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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