518 Clemray Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 518 Clemray Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,306 sqft · built 1991
Lot Size	0.338 acres (14,723 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Aug 2018)
Tax Bill	$7,846 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-0180-1096-00`

Property Details

APN / Parcel Number

Primary APN	`590-0180-1096-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,306 sqft Living Area
Gross Area	3,932 sqft
1st Floor Area	1,013 sqft
2nd Floor Area	1,293 sqft
Basement Area	1,001 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	14,723 sqft (0.338 acres)
Lot Dimensions	160 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	272 sqft
Patio Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	518 CLEMRAY DR
City	CINCINNATI
State	OH
Zip	45231-2763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CLEMRAY DR 106.62 X 160 FT IRR LOT 31 WINDCREST ACRES 7TH
Legal Subdivision	WINDCREST ACRES
Legal Lot Number	31
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	22101

Owner

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	518 CLEMRAY DR, CINCINNATI, OH 45231-2763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP
Aug 21, 2018	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018 · Amount on Record
Deed Sale	Aug 21, 2018 · Amount on Record
Prior Sale	Jul 8, 1992 · Amount on Record
Deed Document Number	201873952
Deed Book / Page	13736 / 2153
Prior Transfer Date	Jul 30, 2012
Prior Transfer Doc	0000000628
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	518 CLEMRAY DR, CINCINNATI, OH 45231-2763
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000148841
Date	Dec 13, 2021
Book Page	14562/236
Instrument	2021-0148841

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 21, 2018
Property Address	518 CLEMRAY DR, CINCINNATI, OH 45231-2763
Document Number	0000073952
Book / Page	013736 / 002153
Instrument Date	Aug 5, 2018
Instrument	73952
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.00
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	518 CLEMRAY DR CINCINNATI OH 452312763, CINCINNATI, OH 45231-2763

Mortgage

Document Number	73953
Date	Aug 21, 2018
Book Page	013736/002155
Instrument	73953

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2048

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	$7,846.00 (+2.66%)	$115,896 (-) Land $14,732 Building $101,164	$331,130 (-) Land $42,090 Building $289,040
2024	$7,643.00 (+4.1%)	$115,896 (-) Land $14,732 Building $101,164
2023	$7,342.00 (-8.7%)	$115,896 (+21.74%) Land $14,732 Building $101,164	$331,130 (+21.74%) Land $42,090 Building $289,040
2022	$8,042.00 Homeowner's exemption	$95,201 Land $13,906 Building $81,295
2020			$272,000 Land $39,730 Building $232,270

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 95% of the US · lower than 78% 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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