542 Clemray Dr, Cincinnati, OH 45231 Property Records

Hamilton County property record for 542 Clemray Dr, Cincinnati, OH 45231

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,802 sqft · built 1991
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$393,400 (Sep 2022)
Tax Bill	$9,309 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`590-0180-1091-00`

Property Details

APN / Parcel Number

Primary APN	`590-0180-1091-00`
Alternative APN	`65575168`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,802 sqft Living Area
Gross Area	4,320 sqft
1st Floor Area	1,382 sqft
2nd Floor Area	1,120 sqft
Basement Area	1,382 sqft
Finished Basement	300 sqft
Unfinished Basement	1,082 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	19,994 sqft (0.459 acres)
Lot Dimensions	209 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	542 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 64.99 X 209.07 FT IRR LOT26 WINDCREST ACRES 7TH
Legal Subdivision	WINDCREST ACRES
Legal Lot Number	26
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	Individual Name on Record
Mailing Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
May 2, 2024	Transfer on Death Deed, Transfer
Apr 29, 2024	Affidavit of Death of Joint Tenant, Transfer
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Feb 27, 1992 · Amount on Record
Deed Document Number	202284690
Deed Book / Page	14744 / 399
Last Transfer Date	Apr 22, 2024
Transfer Doc	0000027859
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142263
Date	Nov 29, 2021
Book Page	14552/189
Instrument	2021-0142263

Lender

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

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	May 2, 2024
Property Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763
Document Number	0000028887
Book / Page	15158 / 612
Map Reference	MB 65 PG 48&49
Instrument Date	Apr 3, 2024
Instrument	2024-0028887
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Apr 29, 2024
Property Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763
Document Number	0000027859
Book / Page	15155 / 211
Map Reference	MB 65 PG 48&49
Instrument Date	Apr 3, 2024
Instrument	2024-0027859
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 2, 2022
Property Address	542 CLEMRAY DR, CINCINNATI, OH 45231-2763
Document Number	0000084690
Book / Page	14744 / 399
Map Reference	MB 65 PG 48&49
Instrument Date	Aug 5, 2022
Instrument	2022-0084690
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.20
Amount Accuracy	Full Amount Stated
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	PO BOX 796788, DALLAS, TX 75379-6788

Mortgage

Document Number	0000084691
Date	Sep 2, 2022
Instrument	2022-0084691

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.87%

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	$9,309.00 (+2.66%)	$137,690 (-) Land $16,800 Building $120,890	$393,400 (-) Land $48,000 Building $345,400
2024	$9,068.00 (+4.11%)	$137,690 (-) Land $16,800 Building $120,890
2023	$8,710.00 (+5.56%)	$137,690 (+40.93%) Land $16,800 Building $120,890	$393,400 (+40.93%) Land $48,000 Building $345,400
2022	$8,251.00 Homeowner's exemption	$97,700 Land $15,859 Building $81,841
2020			$279,140 Land $45,310 Building $233,830

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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