699 Winding Way, Cincinnati, OH 45245 Property Records

Clermont County property record for 699 Winding Way, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1971
Lot Size	0.308 acres (13,416 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,765 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-48-05I-122`

Property Details

APN / Parcel Number

Primary APN	`41-48-05I-122`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	625 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	13,416 sqft (0.308 acres)
View / Lot	Cul-de-sac
Garage Area	275 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	286 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	699 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 122
Legal Subdivision	WITHAM WOODS SEC 1
Legal Lot Number	122
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	41201

Owner

699 Winding Way is owned and occupied by two individuals who acquired it in July 2026.

Source: Clermont County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	699 WINDING WAY, CINCINNATI, OH 45245-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026
Deed Sale	Jul 31, 2026
Prior Sale	Aug 7, 2015 · Amount on File
Deed Document Number	202617316
Deed Book / Page	3029 / 5004
Prior Transfer Date	Jul 20, 2026
Prior Transfer Doc	0000017316
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLERMONT OH
Recording Date	Jul 31, 2026
Property Address	699 WINDING WAY, CINCINNATI, OH 45245-2421
Document Number	0000017316
Book / Page	3029 / 5004
Instrument Date	Jul 20, 2026
Instrument	202617316
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TOWNSGATE CLOSING

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000017317,
Date	Jul 31, 2026
Instrument	202617317

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 699 Winding Way was $2,765 with a homeowner's exemption.

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	$2,765.00	$54,950 Land $11,130 Building $43,820
2024			$157,000 (-) Land $31,800 Building $125,200
2023	$5,465.00 (+126.58%) Homeowner's exemption	$54,950 (+32.7%) Land $11,130 Building $43,820	$157,000 Land $31,800 Building $125,200
2022	$2,412.00 Homeowner's exemption	$41,410 Land $8,400 Building $33,010
2020			$118,300 Land $24,000 Building $94,300

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

FEMA maps place 699 Winding Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 699 Winding Way is low, with a 0.01% annual chance of 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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