509 Clemray Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 509 Clemray Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,154 sqft · built 1992
Lot Size	0.388 acres (16,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,500 (Jul 2008)
Tax Bill	$8,779 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-0180-1071-00`

Property Details

APN / Parcel Number

Primary APN	`590-0180-1071-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,154 sqft Living Area
Gross Area	4,697 sqft
1st Floor Area	1,412 sqft
2nd Floor Area	1,242 sqft
Basement Area	1,412 sqft
Finished Basement	500 sqft
Unfinished Basement	912 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	16,901 sqft (0.388 acres)
Lot Dimensions	170 ft deep x 135 ft wide
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	18 sqft
Patio Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	509 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 DR-MEADOWTRAIL CT135.54 X 170.26 FT IRR LOT 5 WINDCREST ACRES 7THSUB
Legal Subdivision	WINDCREST ACRES 7TH SUB
Legal Lot Number	5
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	22101

Owner

Source: Hamilton County records, as of June 3, 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	509 CLEMRAY DR, CINCINNATI, OH 45231-2768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF PHILADELPHIA
Jun 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2008 · Amount on Record
Deed Sale	Jul 22, 2008 · Amount on Record
Prior Sale	Mar 8, 2004 · Amount on Record
Deed Document Number	2008100369
Deed Book / Page	10905 / 334
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	509 CLEMRAY DR, CINCINNATI, OH 45231-2768
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089270
Date	Dec 20, 2023
Book Page	15066/2001
Instrument	2023-0089270

Lender

Name	THIRD FSLA OF PHILADELPHIA
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	509 CLEMRAY DR, CINCINNATI, OH 45231-2768
Document Number	0000054110
Book / Page	013440 / 001267
Instrument Date	Jun 10, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 CLEMRAY DR CINCINNATI OH 452312768, CINCINNATI, OH 45231-2768

Mortgage

Document Number	0000054110
Date	Jun 16, 2017
Book Page	013440/001267
Instrument	54110

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.19%

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	$8,779.00 (+2.65%)	$129,791 (-) Land $15,495 Building $114,296	$370,830 (-) Land $44,270 Building $326,560
2024	$8,552.00 (+4.11%)	$129,791 (-) Land $15,495 Building $114,296
2023	$8,214.00 (-11.58%)	$129,791 (+17.88%) Land $15,495 Building $114,296	$370,830 (+17.88%) Land $44,270 Building $326,560
2022	$9,290.00 Homeowner's exemption	$110,100 Land $14,630 Building $95,470
2020			$314,570 Land $41,800 Building $272,770

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

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	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)
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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