848 Castlebay, Cincinnati, OH 45245 Property Records

Clermont County property record for 848 Castlebay, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,864 sqft · built 1994
Lot Size	1.53 acres (66,690 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Nov 2022)
Tax Bill	$7,810 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-28-13G-171`

Property Details

APN / Parcel Number

Primary APN	`28-28-13G-171`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,864 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,257 sqft
Unfinished Basement	1,257 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	66,690 sqft (1.53 acres)
View / Lot	Cul-de-sac
Garage Area	149 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft
Patio Area	788 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	848 CASTLEBAY
City	CINCINNATI
State	OH
Zip	45245-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASTLEBAY AT ROYAL OAK; LOT 22
Legal Subdivision	CASTLEBAY AT ROYAL OAK
Legal Lot Number	22
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1001
Census Tract	41505

Owner

848 Castlebay is owned and occupied by an individual who bought it in November 2022.

Source: Clermont County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 4, 2022	Warranty Deed, Transfer · Conventional Mortgage RIVERHILLS BANK
Jun 1, 2020	Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Jan 16, 2018	Grant Deed, Transfer · Conventional Mortgage KEMBA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Jun 1, 2020 · Amount on File
Deed Document Number	202227475
Deed Book / Page	2932 / 5762
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 4, 2022
Property Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906
Document Number	0000027475
Book / Page	2932 / 5762
Map Reference	CAB 5 PG 114-116
Instrument Date	May 28, 2022
Instrument	202200027475
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount on Record
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	Right of Survivorship
Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906

Mortgage

Document Number	0000027476
Date	Nov 4, 2022
Instrument	202200027476

Lender

Name	RIVERHILLS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Jun 1, 2020
Property Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906
Document Number	0000013151
Book / Page	2840 / 679
Map Reference	CAB 5 PG 114-116
Instrument Date	May 28, 2020
Instrument	202000013151
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	WESBANCO TITLE AGENCY LLC

Transaction

Amount	Amount on Record
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	Right of Survivorship
Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906

Mortgage

Document Number	0000013152
Date	Jun 1, 2020
Instrument	202000013152

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLERMONT OH
Recording Date	Jan 16, 2018
Property Address	848 CASTLEBAY, CINCINNATI, OH 45245-4906
Document Number	0000001181
Book / Page	002750 / 000336
Instrument Date	Dec 27, 2017
Instrument	1181
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	TECHNE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,560.00
Amount Accuracy	Confirmed
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	8763 UNION CENTRE BLVD WEST CHESTER OH 450694897, WEST CHESTER, OH 45069-4897

Mortgage

Document Number	1182
Date	Jan 16, 2018
Book Page	002750/000338
Instrument	1182

Lender

Name	KEMBA CU
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 848 Castlebay was $7,810 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	Pierce Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,810.00	$145,260 Land $20,970 Building $124,290
2024			$415,000 (-) Land $59,900 Building $355,100
2023	$14,033.00 (+99.84%) Homeowner's exemption	$145,260 (+21.71%) Land $20,970 Building $124,290	$415,000 Land $59,900 Building $355,100
2022	$7,022.00 Homeowner's exemption	$119,350 Land $16,800 Building $102,550
2020			$341,000 Land $48,000 Building $293,000

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 848 Castlebay 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 848 Castlebay 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: altafiber Network Solutions, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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