697 Winding Way, Cincinnati, OH 45245 Property Records

Clermont County property record for 697 Winding Way, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 876 sqft · built 1971
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (Apr 2015)
Tax Bill	$2,630 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`41-48-05I-121`

Property Details

APN / Parcel Number

Primary APN	`41-48-05I-121`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	576 sqft
Basement Area	612 sqft
Finished Basement	612 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Lot Area	13,199 sqft (0.303 acres)
View / Lot	Cul-de-sac
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Patio Area	160 sqft
Shed	1 Shed
Shed Area	96 sqft
Canopy	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	697 WINDING WAY
City	CINCINNATI
State	OH
Zip	45245-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHAM WOODS SEC 1; LOT 121
Legal Subdivision	WITHAM WOODS SEC 1
Legal Lot Number	121
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41201

Owner

Source: Clermont County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	697 WINDING WAY, CINCINNATI, OH 45245-2421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Sep 10, 2020	Loan Modification, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2015 · Amount on Record
Deed Sale	Apr 2, 2015 · Amount on Record
Prior Sale	Jun 15, 2009 · Amount on Record
Deed Document Number	20156634
Deed Book / Page	2566 / 1025
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	697 WINDING WAY, CINCINNATI, OH 45245-2421
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	697 WINDING WAY, CINCINNATI, OH 45245-2421

Mortgage

Document Number	0000010941
Date	Jun 21, 2023
Book Page	2946/4377
Instrument	202300010941

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Oct 1, 2050

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLERMONT OH
Property Address	697 WINDING WAY, CINCINNATI, OH 45245-2421
Document Number	0000026224
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	697 WINDING WAY CINCINNATI OH 452452421, CINCINNATI, OH 45245-2421

Mortgage

Document Number	0000026224
Date	Sep 25, 2020
Book Page	002852/005901
Instrument	26224

Lender

Name	FIFTH THIRD BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,630.00 (-49.39%)	$52,260 (-) Land $11,130 Building $41,130
2024			$149,300 (-) Land $31,800 Building $117,500
2023	$5,197.00 (+126.55%) Homeowner's exemption	$52,260 (+32.71%) Land $11,130 Building $41,130	$149,300 (+32.71%) Land $31,800 Building $117,500
2022	$2,294.00 Homeowner's exemption	$39,380 Land $8,400 Building $30,980
2020			$112,500 Land $24,000 Building $88,500

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 February 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 272 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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