10039 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 10039 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 4,644 sqft · built 1991
Lot Size	0.863 acres (37,592 sqft)
Owner	Individual Name on File
Tax Bill	$10,382 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`612-0131-0241-00`

Property Details

APN / Parcel Number

Primary APN	`612-0131-0241-00`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,644 sqft Living Area
Gross Area	8,015 sqft
1st Floor Area	2,635 sqft
2nd Floor Area	2,009 sqft
Upper Floors Area	2,009 sqft
Basement Area	2,635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	37,592 sqft (0.863 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	473 sqft
Patio Area	578 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	10039 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-5706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ZIG ZAG RD FT IRR PT LOT 10 WHITE POINT GARDENS
Legal Subdivision	WHITE POINT GARDENS
Legal Lot Number	10
Jurisdiction	HAMILTON OH
Township / Civil Division	BLUE ASH
Census Block Group	2
Census Block	2014
Census Tract	23521

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Brown-Gorman Farm listed 2012 · 15 contributing resources · NRIS 12000463

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

10039 Zig Zag Rd is owned and occupied by an individual who acquired it in December 2012.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	10039 ZIG ZAG RD, MONTGOMERY, OH 45242-5706
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 31, 2012
Transfer Doc	0000000058
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10039 ZIG ZAG RD, MONTGOMERY, OH 45242-5706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097727
Date	Oct 24, 2017
Instrument	17-0097727

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10039 ZIG ZAG RD, MONTGOMERY, OH 45242-5706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014316
Date	Feb 20, 2018
Instrument	18-0014316

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10039 Zig Zag Rd was $10,382, up 2.5% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Blue Ash City
Unified School District	Sycamore Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,382.00 (+2.49%)	$239,236 (-) Land $34,230 Building $205,006	$683,530 Land $97,800 Building $585,730
2024	$10,130.00 (-0.46%)	$239,236 (-) Land $34,230 Building $205,006
2023	$10,177.00 (-5.11%)	$239,236 (+14.08%) Land $34,230 Building $205,006	$683,530 Land $97,800 Building $585,730
2022	$10,725.00 Homeowner's exemption	$209,707 Land $34,213 Building $175,494
2020			$599,160 Land $97,750 Building $501,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10039 Zig Zag Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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	3 in force
Nearby Flood Claims	1 (1985)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1985 · river or lake flooding

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.

Wildfire

Wildfire risk around 10039 Zig Zag Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 229 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

Cell Coverage

5G (outdoors only) and 4G LTE

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