503 Clemray Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 503 Clemray Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,282 sqft · built 1992
Lot Size	0.349 acres (15,202 sqft)
Owner	2 Individual Names on File
Last Sale	$279,000 (Dec 2020)
Tax Bill	$5,253 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-0180-1070-00`

Property Details

APN / Parcel Number

Primary APN	`590-0180-1070-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,282 sqft Living Area
Gross Area	4,009 sqft
1st Floor Area	1,136 sqft
2nd Floor Area	1,296 sqft
Basement Area	1,136 sqft
Finished Basement	850 sqft
Unfinished Basement	286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	160 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	503 CLEMRAY DR
City	CINCINNATI
State	OH
Zip	45231-2768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CLEMRAY DRIVE 95 X 160 FT LOT 4 WINDCREST ACRES 7TH SUB
Legal Subdivision	WINDCREST ACRES 7TH SUB
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	22101

Owner

Source: Hamilton County assessment roll, 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 File
Mailing Address	503 CLEMRAY DR, CINCINNATI, OH 45231-2768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit GOODLEAP LLC
Dec 22, 2020	Warranty Deed, Transfer · FHA Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Mar 6, 2002 · Amount on Record
Deed Document Number	2020135668
Deed Book / Page	14320 / 3130
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	May 27, 2026
Property Address	503 CLEMRAY DR, CINCINNATI, OH 45231-2768
Document Number	0000041245
Book / Page	15674 / 729
Instrument Date	May 18, 2026
Instrument	202641245
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 CLEMRAY DR, CINCINNATI, OH 45231-2768
Investor	Possibly a Property Investor

Mortgage

Document Number	0000041245,
Date	May 27, 2026
Book Page	15674/729
Instrument	202641245

Lender

Name	GOODLEAP LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2041

Interest

Rate	5.65%
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 22, 2020
Property Address	503 CLEMRAY DR, CINCINNATI, OH 45231-2768
Document Number	0000135668
Book / Page	014320 / 003130
Instrument Date	Dec 10, 2020
Instrument	135668
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,116.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8534 E KEMPER RD CINCINNATI OH 452493701, CINCINNATI, OH 45249-3701

Mortgage

Document Number	135669
Date	Dec 22, 2020
Book Page	014320/003132
Instrument	135669

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Springfield Township
Unified School District	Winton Woods City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,253.00 (+2.44%) Homeowner's exemption	$97,651 (+%) Land $14,893 Building $82,758	$279,000 (-) Land $42,550 Building $236,450
2024	$5,128.00 (-17.25%) Homeowner's exemption	$97,649 (-) Land $14,892 Building $82,757
2023	$6,197.00 (-29.88%)	$97,649 (-6.73%) Land $14,892 Building $82,757	$279,000 (-6.73%) Land $42,550 Building $236,450
2022	$8,838.00 Homeowner's exemption	$104,696 Land $14,060 Building $90,636
2020			$299,130 Land $40,170 Building $258,960

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

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.

Wildfire

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 at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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