Clermont County property record for 990 S Apple Gate, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,136 sqft · built 2009 |
| Lot Size | 0.207 acres (9,004 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Jun 2016) |
| Tax Bill | $2,501 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-02B-141 |
| Primary APN | 41-31-02B-141 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,136 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 512 sqft |
| Unfinished Basement | 512 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 9,004 sqft (0.207 acres) |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 990 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 21; SEE 413102B141T FOR TIF |
| Legal Subdivision | EST AT SHAYLER RIDGE AT WETHERBY FARMS |
| Legal Lot Number | 21 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 990 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2016 · Amount on Record |
| Deed Sale | Jun 22, 2016 · Amount on Record |
| Prior Sale | Jul 30, 2009 · Amount on Record |
| Deed Document Number | 201613332 |
| Deed Book / Page | 2643 / 2417 |
| Prior Transfer Date | Mar 31, 2015 |
| Prior Transfer Doc | 0000006766 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 990 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 990 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Document Number | 0000002059 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 2938/1555 |
| Instrument | 202300002059 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 990 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000016937 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 2843/4980 |
| Instrument | 202000016937 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2040 |
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 | $2,501.00 (-22.14%) | $700 (-) Land $700 | |
| 2024 | $3,212.00 (-45.08%) Homeowner's exemption | $700 (-) Land $700 | $2,000 (-) Land $2,000 |
| 2023 | $5,849.00 (+14,522.5%) Homeowner's exemption | $700 (-) Land $700 | $2,000 (-) Land $2,000 |
| 2022 | $40.00 Homeowner's exemption | $700 Land $700 | |
| 2020 | $2,000 Land $2,000 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures