698 Winding Way, Cincinnati, OH 45245 Property Records

Clermont County property record for 698 Winding Way, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1971
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Feb 2026)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41-48-05I-114`

Property Details

APN / Parcel Number

Primary APN	`41-48-05I-114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	999 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	12,415 sqft (0.285 acres)
View / Lot	Cul-de-sac
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	152 sqft
Patio Area	72 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	698 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 114
Legal Subdivision	WITHAM WOODS SEC 1
Legal Lot Number	114
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41201

Owner

Source: Clermont County records, as of June 30, 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	698 WINDING WAY, CINCINNATI, OH 45245-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Aug 17, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 17, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Feb 11, 2026	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Oct 21, 2025	Warranty Deed, Transfer OS NATIONAL LLC, OS NATIONAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2026 · Amount on Record
Deed Sale	Feb 11, 2026 · Amount on Record
Prior Sale	Oct 21, 2025 · Amount on Record
Deed Document Number	20263078
Deed Book / Page	3015 / 1520
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	698 WINDING WAY, CINCINNATI, OH 45245-2421
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007569
Date	Mar 16, 2022
Book Page	2914/2906
Instrument	202200007569

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	698 WINDING WAY, CINCINNATI, OH 45245-2421
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 WINDING WAY, CINCINNATI, OH 45245-2421

Mortgage

Document Number	0000015018
Date	Aug 17, 2023
Book Page	2950/4067
Instrument	202300015018

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Apr 1, 2052

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	698 WINDING WAY, CINCINNATI, OH 45245-2421
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 WINDING WAY, CINCINNATI, OH 45245-2421

Mortgage

Document Number	0000008841
Date	May 17, 2024
Book Page	2967/4238
Instrument	202400008841

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2064

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Feb 11, 2026
Property Address	698 WINDING WAY, CINCINNATI, OH 45245-2421
Document Number	0000003078
Book / Page	3015 / 1520
Map Reference	MB 0 PG 33
Instrument Date	Feb 6, 2026
Instrument	202600003078
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	698 WINDING WAY, CINCINNATI, OH 45245-2421

Mortgage

Document Number	0000003079
Date	Feb 11, 2026
Instrument	202600003079

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Oct 21, 2025
Property Address	698 WINDING WAY, CINCINNATI, OH 45245-2421
Document Number	0000022126
Book / Page	3006 / 665
Map Reference	MB O PG 33&34
Instrument Date	Oct 17, 2025
Instrument	202500022126
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 W WASHINGTON ST STE 115, 115, TEMPE, AZ 85288-1233
Investor	Possibly a Property Investor

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	$3,734.00 (-0.19%)	$74,200 (-) Land $11,130 Building $63,070
2024	$3,741.00 (-49.3%) Homeowner's exemption	$74,200 (-) Land $11,130 Building $63,070	$212,000 (-) Land $31,800 Building $180,200
2023	$7,379.00 (+126.56%) Homeowner's exemption	$74,200 (+32.74%) Land $11,130 Building $63,070	$212,000 (+32.75%) Land $31,800 Building $180,200
2022	$3,257.00 Homeowner's exemption	$55,900 Land $8,400 Building $47,500
2020			$159,700 Land $24,000 Building $135,700

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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