Clermont County property record for 992 S Apple Gate, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,228 sqft · built 2010 |
| Lot Size | 0.196 acres (8,546 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Aug 2019) |
| Tax Bill | $2,520 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Jun 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-02B-140 |
| Primary APN | 41-31-02B-140 |
|---|
| 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 | 2,228 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Family Room | Family Room |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 8,546 sqft (0.196 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 64 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 992 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 20; SEE 413102B140T FOR TIF |
| Legal Subdivision | EST AT SHAYLER RIDGE AT WETHERBY FARMS |
| Legal Lot Number | 20 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41305 |
Source: Clermont County assessment roll, as of April 13, 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 File |
|---|---|
| Mailing Address | 992 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Jun 30, 2017 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Jun 10, 2020 | Deed of Trust, Mortgage CALIBER HM LOANS |
| Aug 1, 2019 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 1, 2019 · Amount on Record |
| Deed Sale | Aug 1, 2019 · Amount on Record |
| Prior Sale | Apr 9, 2012 · Amount on Record |
| Deed Document Number | 201916326 |
| Deed Book / Page | 2814 / 980 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 992 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007265 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 2871/5699 |
| Instrument | 202100007265 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 992 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014638 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 2713/1682 |
| Instrument | 201700014638 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 992 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Document Number | 0000015213 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 992 S APPLE GATE CINCINNATI OH 452457016, CINCINNATI, OH 45245-7016 |
| Document Number | 0000015213 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 002842/000990 |
| Instrument | 15213 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 1, 2019 |
| Property Address | 992 S APPLE GATE, CINCINNATI, OH 45245-7016 |
| Document Number | 0000016326 |
| Book / Page | 002814 / 000980 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 16326 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 992 S APPLE GATE CINCINNATI OH 452457016, CINCINNATI, OH 45245-7016 |
| Document Number | 16327 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 002814/000982 |
| Instrument | 16327 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2049 |
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 | $2,520.00 (-15.38%) | $670 (-) Land $670 | |
| 2024 | $2,978.00 (-49.52%) Homeowner's exemption | $670 (-) Land $670 | $1,900 (-) Land $1,900 |
| 2023 | $5,899.00 (+15,025.64%) Homeowner's exemption | $670 (-) Land $670 | $1,900 (-) Land $1,900 |
| 2022 | $39.00 Homeowner's exemption | $670 Land $670 | |
| 2020 | $1,900 Land $1,900 |
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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