Hamilton County property record for 495 Clemray Dr, Cincinnati, OH 45231
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,717 sqft · built 1992 |
| Lot Size | 0.619 acres (26,964 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $148,000 (Aug 1992) |
| Tax Bill | $7,261 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 590-0180-1068-00 |
| Primary APN | 590-0180-1068-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,717 sqft Living Area |
| Gross Area | 3,974 sqft |
| 1st Floor Area | 1,717 sqft |
| Basement Area | 1,717 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 717 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 26,964 sqft (0.619 acres) |
| Lot Width | 20 ft Width |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 495 CLEMRAY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45231-2755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CLEMRAY DRIVE 20 X FT IRR LOT 2 WINDCREST ACRES 7TH SUB |
| Legal Subdivision | WINDCREST ACRES 7TH SUB |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 22101 |
Source: Hamilton County records, as of January 21, 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 Record |
|---|---|
| Mailing Address | 495 CLEMRAY DR, CINCINNATI, OH 45231-2755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 1992 · Amount on Record |
| Deed Sale | Aug 6, 1992 · Amount on Record |
| Last Transfer Date | May 6, 2014 |
| Transfer Doc | 0000000556 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 495 CLEMRAY DR, CINCINNATI, OH 45231-2755 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 495 CLEMRAY DR, CINCINNATI, OH 45231-2755 |
| Document Number | 0000085657 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 15535/2725 |
| Instrument | 2025-0085657 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 12, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| County Subdivision | Springfield Township |
| Unified School District | Winton Woods City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,261.00 (+2.66%) | $107,171 (+%) Land $9,370 Building $97,801 | $306,200 (-) Land $26,770 Building $279,430 |
| 2024 | $7,073.00 (+4.09%) | $107,169 (-) Land $9,369 Building $97,800 | |
| 2023 | $6,795.00 (-10.6%) | $107,169 (+19.15%) Land $9,369 Building $97,800 | $306,200 (+19.15%) Land $26,770 Building $279,430 |
| 2022 | $7,601.00 Homeowner's exemption | $89,943 Land $8,841 Building $81,102 | |
| 2020 | $256,980 Land $25,260 Building $231,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% 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 | WYOMING CITY PWS serves 9,700 people · EPA ID OH3102212 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 246 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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