Clermont County property record for 861 Castlebay, Cincinnati, OH 45245
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,376 sqft · built 1998 |
| Lot Size | 0.461 acres (20,081 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,089 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-28-13G-178 |
| Primary APN | 28-28-13G-178 |
|---|
| 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 | 3,376 sqft Living Area |
| 1st Floor Area | 1,328 sqft |
| Attic | Attic |
| Attic Area | 441 sqft |
| Basement Area | 504 sqft |
| Unfinished Basement | 504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,081 sqft (0.461 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 519 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 861 CASTLEBAY |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45245-4907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CASTLEBAY AT ROYAL OAK; LOT 29 |
| Legal Subdivision | CASTLEBAY AT ROYAL OAK |
| Legal Lot Number | 29 |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | PIERCE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 41505 |
861 Castlebay is owned and occupied by an individual.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 861 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 |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 861 CASTLEBAY, CINCINNATI, OH 45245-4907 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006435 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 2913/2973 |
| Instrument | 202200006435 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 861 Castlebay was $7,089 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 | $7,089.00 | $131,850 Land $20,970 Building $110,880 | |
| 2024 | $376,700 (-) Land $59,900 Building $316,800 | ||
| 2023 | $12,738.00 (+104.63%) Homeowner's exemption | $131,850 (+24.61%) Land $20,970 Building $110,880 | $376,700 Land $59,900 Building $316,800 |
| 2022 | $6,225.00 Homeowner's exemption | $105,810 Land $16,800 Building $89,010 | |
| 2020 | $302,300 Land $48,000 Building $254,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 861 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 861 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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