988 S Apple Gate, Cincinnati, OH 45245 Property Records

Clermont County property record for 988 S Apple Gate, Cincinnati, OH 45245 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,654 sqft · built 2005
Lot Size	0.213 acres (9,257 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Dec 2017)
Tax Bill	$3,145 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-31-02B-142`

Property Details

APN / Parcel Number

Primary APN	`41-31-02B-142`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,654 sqft Living Area
1st Floor Area	508 sqft
Basement Area	2,348 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,257 sqft (0.213 acres)
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Deck Area	204 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	988 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 22; SEE 413102B142T FOR TIF
Legal Subdivision	EST AT SHAYLER RIDGE AT WETHERBY FARMS
Legal Lot Number	22
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3000
Census Tract	41305

Owner

Source: Clermont County records · APN 41-31-02B-142

Assessment roll updated April 13, 2026 · Last verified July 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 File
Mailing Address	988 S APPLE GATE, CINCINNATI, OH 45245-7016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 08, 2017	Affidavit of Death, Transfer ATTORNEY ONLY
Dec 08, 2017	Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2017 · Amount on Record
Deed Sale	Dec 08, 2017 · Amount on Record
Prior Sale	May 15, 2006 · Amount on Record
Deed Document Number	201728646
Prior Transfer Date	Dec 01, 2017
Prior Transfer Doc	0000028645
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	988 S APPLE GATE, CINCINNATI, OH 45245-7016
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012330
Date	Apr 19, 2021
Book Page	2877/1604
Instrument	202100012330

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLERMONT OH
Recording Date	Dec 08, 2017
Property Address	988 S APPLE GATE, CINCINNATI, OH 45245-7016
Document Number	0000028645
Book / Page	002744 / 000562
Instrument Date	Dec 01, 2017
Instrument	28645
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	988 S APPLE GATE CINCINNATI OH 452457016, CINCINNATI, OH 45245-7016

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLERMONT OH
Recording Date	Dec 08, 2017
Property Address	988 S APPLE GATE, CINCINNATI, OH 45245-7016
Document Number	0000028646
Map Reference	PC 12 PG 300-301
Instrument Date	Dec 01, 2017
Instrument	201700028646
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 SOUTH APPLE GATE, CINCINNATI, OH 45245

Mortgage

Document Number	0000028647
Date	Dec 08, 2017
Instrument	201700028647

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clermont County records · Assessment roll updated April 13, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,145.00 (-15.41%)	$740 (-) Land $740
2024	$3,718.00 (-49.57%) Homeowner's exemption	$740 (-) Land $740	$2,100 (-) Land $2,100
2023	$7,373.00 (+17,046.51%) Homeowner's exemption	$740 (-) Land $740	$2,100 (-) Land $2,100
2022	$43.00 Homeowner's exemption	$740 Land $740
2020			$2,100 Land $2,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clermont County (39025C), updated February 6, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390250413053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 211 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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