538 Clemray Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 538 Clemray Dr, Cincinnati, OH 45231 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,650 sqft · built 1992
Lot Size	1.22 acres (53,405 sqft)
Owner	Individual Name on File
Tax Bill	$9,476 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`590-0180-1092-00`

Property Details

APN / Parcel Number

Primary APN	`590-0180-1092-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,650 sqft Living Area
Gross Area	4,704 sqft
1st Floor Area	1,445 sqft
2nd Floor Area	1,205 sqft
Basement Area	1,445 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	53,405 sqft (1.22 acres)
Lot Width	20 ft Width
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Patio Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	538 CLEMRAY DR
City	CINCINNATI
State	OH
Zip	45231-2763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLEMRAY DR 20.44 X FT IRR LOT 27 WINDCREST ACRES 7TH SUB
Legal Subdivision	WINDCREST ACRES 7TH SUB
Legal Lot Number	27
Jurisdiction	HAMILTON OH
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	22101

Owner

Source: Hamilton County records · APN 590-0180-1092-00

Assessment roll updated January 21, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	538 CLEMRAY DR, CINCINNATI, OH 45231-2763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 30, 1995
Deed Sale	Mar 30, 1995
Deed Document Number	199539016
Deed Book / Page	6714 / 1414
Last Transfer Date	Jun 18, 2004
Transfer Doc	0096560669
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	538 CLEMRAY DR, CINCINNATI, OH 45231-2763
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 CLEMRAY DR, CINCINNATI, OH 45231-2763

Mortgage

Document Number	0000100881
Date	Dec 26, 2025
Book Page	15570/1230
Instrument	2025-0100881

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2055

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,476.00 (+2.6%)	$140,098 (-) Land $29,218 Building $110,880	$400,280 (-) Land $83,480 Building $316,800
2024	$9,236.00 (+4.15%)	$140,098 (-) Land $29,218 Building $110,880
2023	$8,868.00 (-13.16%)	$140,098 (+15.75%) Land $29,218 Building $110,880	$400,280 (+15.75%) Land $83,480 Building $316,800
2022	$10,212.00 Homeowner's exemption	$121,030 Land $27,580 Building $93,450
2020			$345,800 Land $78,800 Building $267,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 22% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 70 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Clemray Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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