Hamilton County property record for 9474 Zig Zag Rd, Montgomery, OH 45242
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,913 sqft · built 1950 |
| Lot Size | 0.657 acres (28,619 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Oct 2019) |
| Tax Bill | $6,139 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 603-0003-0113-00 |
| Primary APN | 603-0003-0113-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,913 sqft Living Area |
| Gross Area | 3,249 sqft |
| 1st Floor Area | 1,164 sqft |
| 2nd Floor Area | 749 sqft |
| Upper Floors Area | 749 sqft |
| Basement Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 28,619 sqft (0.657 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 1,086 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 9474 ZIG ZAG RD |
|---|---|
| City | MONTGOMERY |
| State | OH |
| Zip | 45242-7108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | ZIG ZAG RD 0.677 AC PT LOT 2 JAS I ROSS EST |
| Legal Subdivision | ELIZ R ROSS EST |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 23902 |
Source: Hamilton County records, as of June 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK. |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 9, 2019 | Warranty Deed, Transfer · Conventional with PMI EQUITY RSRCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2019 · Amount on Record |
| Deed Sale | Oct 9, 2019 · Amount on Record |
| Prior Sale | Jul 1, 2010 · Amount on Record |
| Deed Document Number | 201987898 |
| Deed Book / Page | 14019 / 2168 |
| Prior Transfer Date | Jun 27, 2003 |
| Prior Transfer Doc | 0000422664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 5, 2026 |
| Property Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Document Number | 0000034254 |
| Book / Page | 15659 / 882 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202634254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PRODIGY TITLE |
| Name | Verified Name |
|---|---|
| Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Investor | Possibly a Property Investor |
| Document Number | 0000034254, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 15659/882 |
| Instrument | 202634254 |
| Name | FIRST FINANCIAL BANK. |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 369 Months |
| Due | Feb 1, 2057 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000127252 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 14527/1755 |
| Instrument | 2021-0127252 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000116418 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 14290/231 |
| Instrument | 2020-0116418 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 9, 2019 |
| Property Address | 9474 ZIG ZAG RD, MONTGOMERY, OH 45242-7108 |
| Document Number | 0000087898 |
| Book / Page | 014019 / 002168 |
| Instrument Date | May 10, 2019 |
| Instrument | 87898 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9474 ZIG ZAG RD MONTGOMERY OH 452427108, MONTGOMERY, OH 45242-7108 |
| Document Number | 87899 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 014019/002171 |
| Instrument | 87899 |
| Name | EQUITY RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | NEWARK, OH 43055 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Montgomery City |
| Unified School District | Sycamore Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,139.00 (+2.38%) | $119,946 (+%) Land $55,717 Building $64,229 | $342,700 (-) Land $159,190 Building $183,510 |
| 2024 | $5,996.00 (-0.56%) | $119,944 (-) Land $55,716 Building $64,228 | |
| 2023 | $6,030.00 (-12.04%) | $119,944 (+5.44%) Land $55,716 Building $64,228 | $342,700 (+5.45%) Land $159,190 Building $183,510 |
| 2022 | $6,855.00 Homeowner's exemption | $113,751 Land $55,640 Building $58,111 | |
| 2020 | $325,000 Land $158,970 Building $166,030 |
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.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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 | 3 in force |
| Nearby Flood Claims | 3 (2013–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2017 · rainfall accumulation |
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.
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 | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 279 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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