1091 Castlebay, Cincinnati, OH 45245 Property Records

Clermont County property record for 1091 Castlebay, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,770 sqft · built 1994
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$228,200 (Dec 1994)
Tax Bill	$5,779 (2025)
Deeds & Mortgages	Jun 2021 Transfer May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-28-13G-192`

Property Details

APN / Parcel Number

Primary APN	`28-28-13G-192`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,770 sqft Living Area
1st Floor Area	683 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	20,473 sqft (0.47 acres)
View / Lot	Cul-de-sac
Garage Area	713 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	14 sqft
Deck Area	290 sqft
Patio Area	610 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	1091 CASTLEBAY
City	CINCINNATI
State	OH
Zip	45245-4911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASTLEBAY AT ROYAL OAK; LOT 43
Legal Subdivision	CASTLEBAY AT ROYAL OAK
Legal Lot Number	43
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1004
Census Tract	41505

Owner

1091 Castlebay is owned and occupied by an individual who acquired it in June 2021.

Source: Clermont County records, as of April 13, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1091 CASTLEBAY, CINCINNATI, OH 45245-4911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Transfer on Death Deed, Transfer
May 5, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Feb 4, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 1994 · Amount on File
Deed Sale	Dec 1, 1994 · Amount on File
Last Transfer Date	Jun 25, 2021
Transfer Doc	0000020874
Record Updated	Oct 29, 2026

June 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLERMONT OH
Recording Date	Jun 28, 2021
Property Address	1091 CASTLEBAY, CINCINNATI, OH 45245-4911
Document Number	0000020874
Book / Page	2885 / 3831
Map Reference	CAB 5 PG 114-116
Instrument Date	Jun 25, 2021
Instrument	202100020874
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	1091 CASTLEBAY, CINCINNATI, OH 45245-4911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009955
Date	May 5, 2017
Book Page	2703/2016
Instrument	201700009955

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	359 Months
Due	Apr 25, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	1091 CASTLEBAY, CINCINNATI, OH 45245-4911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024121
Date	Oct 24, 2019
Book Page	2821/4026
Instrument	201900024121

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	1091 CASTLEBAY, CINCINNATI, OH 45245-4911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002821
Date	Feb 4, 2020
Book Page	2829/3956
Instrument	202000002821

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1091 Castlebay was $5,779 with a homeowner's exemption.

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,779.00	$117,640 Land $20,970 Building $96,670
2024			$336,100 (-) Land $59,900 Building $276,200
2023	$11,365.00 (+125.54%) Homeowner's exemption	$117,640 (+24.62%) Land $20,970 Building $96,670	$336,100 Land $59,900 Building $276,200
2022	$5,039.00 Homeowner's exemption	$94,400 Land $16,800 Building $77,600
2020			$269,700 Land $48,000 Building $221,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1091 Castlebay in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1091 Castlebay is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: altafiber Network Solutions, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Castlebay

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures