878 Castlebay, Cincinnati, OH 45245 Property Records

Clermont County property record for 878 Castlebay, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,791 sqft · built 1994
Lot Size	0.655 acres (28,532 sqft)
Owner	Individual Name on Record
Last Sale	$316,500 (Aug 2004)
Tax Bill	$6,287 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-28-13G-165`

Property Details

APN / Parcel Number

Primary APN	`28-28-13G-165`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,791 sqft Living Area
1st Floor Area	1,026 sqft
Attic	Attic
Attic Area	420 sqft
Basement Area	547 sqft
Unfinished Basement	547 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	28,532 sqft (0.655 acres)
View / Lot	Cul-de-sac
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	408 sqft
Patio Area	408 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	878 CASTLEBAY
City	CINCINNATI
State	OH
Zip	45245-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASTLEBAY AT ROYAL OAK; LOT 16
Legal Subdivision	CASTLEBAY AT ROYAL OAK
Legal Lot Number	16
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1001
Census Tract	41505

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	878 CASTLEBAY, CINCINNATI, OH 45245-4906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Transfer on Death Deed, Transfer
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2004 · Amount on Record
Deed Sale	Aug 24, 2004 · Amount on Record
Prior Sale	Jul 1, 1999 · Amount on Record
Deed Document Number	200436071
Deed Book / Page	1806 / 1051
Record Updated	Jun 8, 2026

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLERMONT OH
Recording Date	Jan 13, 2023
Property Address	878 CASTLEBAY, CINCINNATI, OH 45245-4906
Document Number	0000000782
Book / Page	2937 / 821
Map Reference	CAB 5 PG 114-116
Instrument Date	Jan 12, 2023
Instrument	202300000782
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	878 CASTLEBAY, CINCINNATI, OH 45245-4906

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	878 CASTLEBAY, CINCINNATI, OH 45245-4906
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040411
Date	Dec 13, 2021
Book Page	2905/999
Instrument	202100040411

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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	$6,287.00 (-44.35%)	$116,940 (-) Land $20,970 Building $95,970
2024			$334,100 (-) Land $59,900 Building $274,200
2023	$11,297.00 (+104.62%) Homeowner's exemption	$116,940 (+24.62%) Land $20,970 Building $95,970	$334,100 (+24.62%) Land $59,900 Building $274,200
2022	$5,521.00 Homeowner's exemption	$93,840 Land $16,800 Building $77,040
2020			$268,100 Land $48,000 Building $220,100

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 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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