Clermont County property record for 997 S Apple Gate, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,611 sqft · built 2011 |
| Lot Size | 0.264 acres (11,482 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $610,000 (Apr 2024) |
| Tax Bill | $4,135 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-31-02B-162 |
| Primary APN | 41-31-02B-162 |
|---|
| 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 | 3,611 sqft Living Area |
| 1st Floor Area | 619 sqft |
| Basement Area | 1,284 sqft |
| Unfinished Basement | 1,284 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 11,482 sqft (0.264 acres) |
| Garage Area | 496 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 15 sqft |
| Patio Area | 414 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 997 S APPLE GATE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-7018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EST AT SHAYLER RIDGE AT WETHERBY FARMS; SECTION 1 LOT 42; SEE 413102B162T FOR TIF |
| Legal Subdivision | EST AT SHAYLER RIDGE AT WETHERBY FARMS |
| Legal Lot Number | 42 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3006 |
| 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 | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 8, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 15, 2024 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 31, 2021 | Transfer on Death Deed, Transfer |
| Dec 12, 2019 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Aug 5, 2019 | Warranty Deed, Transfer IVY POINTE TITLE LLC |
| Jan 5, 2017 | Warranty Deed, Subdivision Related Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on Record |
| Deed Sale | Apr 15, 2024 · Amount on Record |
| Prior Sale | Aug 5, 2019 · Amount on Record |
| Deed Document Number | 20246458 |
| Deed Book / Page | 2965 / 1892 |
| Prior Transfer Date | Aug 26, 2021 |
| Prior Transfer Doc | 0000028295 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000017724 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 2882/3075 |
| Instrument | 202100017724 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Number | 0000029143 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 2893/4841 |
| Instrument | 202100029143 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 15, 2024 |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Number | 0000006458 |
| Book / Page | 2965 / 1892 |
| Map Reference | CAB 12 PGS 300 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 202400006458 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2024 |
| Title Company | TANDEM TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000006459 |
|---|---|
| Date | Apr 15, 2024 |
| Book Page | 2965/1895 |
| Instrument | 202400006459 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 31, 2021 |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Number | 0000028295 |
| Book / Page | 2892 / 5753 |
| Map Reference | CAB 12 PG 300&301 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 202100028295 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028449 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 2825/4224 |
| Instrument | 201900028449 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Aug 5, 2019 |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Number | 0000016662 |
| Book / Page | 002814 / 003102 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 16662 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2019 |
| Title Company | IVY POINTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 62 CARLYN AVE CAMPBELL CA 950081914, CAMPBELL, CA 95008-1914 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jan 5, 2017 |
| Property Address | 997 S APPLE GATE, CINCINNATI, OH 45245-7018 |
| Document Number | 0000000352 |
| Book / Page | 002683 / 001960 |
| Instrument Date | Dec 23, 2016 |
| Instrument | 352 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 18, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,596.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 997 S APPLE GATE CINCINNATI OH 452457018, CINCINNATI, OH 45245-7018 |
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 | $4,135.00 (-15.42%) | $910 (-) Land $910 | |
| 2024 | $4,889.00 (-49.61%) Homeowner's exemption | $910 (-) Land $910 | $2,600 (-) Land $2,600 |
| 2023 | $9,702.00 (+18,205.66%) Homeowner's exemption | $910 (-) Land $910 | $2,600 (-) Land $2,600 |
| 2022 | $53.00 Homeowner's exemption | $910 Land $910 | |
| 2020 | $2,600 Land $2,600 |
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 93% of the US · lower than 68% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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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