Clermont County property record for 849 Castlebay, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,951 sqft · built 1996 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $286,000 (Jul 2015) |
| Tax Bill | $7,198 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-28-13G-175 |
| Primary APN | 28-28-13G-175 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,951 sqft Living Area |
| 1st Floor Area | 608 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 414 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 158 sqft |
| Deck Area | Deck Area |
| Patio Area | 263 sqft |
| Shed | 1 Shed |
| Shed Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 849 CASTLEBAY |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-4907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CASTLEBAY AT ROYAL OAK; LOT 26 |
| Legal Subdivision | CASTLEBAY AT ROYAL OAK |
| Legal Lot Number | 26 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 41505 |
849 Castlebay is owned and occupied by an individual who bought it in July 2015.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 849 CASTLEBAY, CINCINNATI, OH 45245-4907 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2015 · Amount on File |
| Deed Sale | Jul 15, 2015 · Amount on File |
| Prior Sale | Apr 4, 2013 · Amount on File |
| Deed Document Number | 201515724 |
| Deed Book / Page | 2585 / 942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 849 CASTLEBAY, CINCINNATI, OH 45245-4907 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000034029 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 2898/4039 |
| Instrument | 202100034029 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
The 2025 property tax bill for 849 Castlebay was $7,198 with a homeowner's exemption.
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Pierce Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,198.00 | $133,880 Land $20,970 Building $112,910 | |
| 2024 | $382,500 (-) Land $59,900 Building $322,600 | ||
| 2023 | $12,934.00 (+104.59%) Homeowner's exemption | $133,880 (+24.6%) Land $20,970 Building $112,910 | $382,500 Land $59,900 Building $322,600 |
| 2022 | $6,322.00 Homeowner's exemption | $107,450 Land $16,800 Building $90,650 | |
| 2020 | $307,000 Land $48,000 Building $259,000 |
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.
FEMA maps place 849 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 risk around 849 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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