Hamilton County property record for 9650 Zig Zag Rd, Montgomery, OH 45242
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 5 ba · 2,952 sqft · built 2020 |
| Lot Size | 0.328 acres (14,288 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,270,000 (Dec 2024) |
| Tax Bill | $18,976 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 603-0001-0047-00 |
| Primary APN | 603-0001-0047-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,952 sqft Living Area |
| 1st Floor Area | 1,644 sqft |
| 2nd Floor Area | 1,308 sqft |
| Basement Area | 1,644 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 14,288 sqft (0.328 acres) |
| Lot Dimensions | 180 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 9650 ZIG ZAG RD |
|---|---|
| City | MONTGOMERY |
| State | OH |
| Zip | 45242-7112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ZIG ZAG RD 81.50 X 180 IRR R1- T4- S3 N W |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 23902 |
9650 Zig Zag Rd is owned and occupied by an individual who bought it in December 2024.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| 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.
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 21, 2023 | Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO |
| Jan 12, 2023 | Survivorship Deed, Transfer · Conventional Mortgage KEMBA CREDIT UNION INC |
| Jun 7, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 3, 2020 | Warranty Deed, Construction Loan · Line of Credit CENTERBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on File |
| Deed Sale | Dec 6, 2024 · Amount on File |
| Prior Sale | Jan 12, 2023 · Amount on File |
| Deed Document Number | 0000086982 |
| Deed Book / Page | 15307 / 1134 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Document Number | 0000085122 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 15534/2708 |
| Instrument | 2025-0085122 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5532 E GALBRAITH RD, CINCINNATI, OH 45236-2828 |
| Document Number | 0000012229 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 14857/2078 |
| Instrument | 2023-0012229 |
| Name | THE NORTH SIDE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 12, 2023 |
| Property Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Document Number | 0000002835 |
| Book / Page | 14831 / 1319 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 2023-0002835 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Document Number | 0000002836 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 2023-0002836 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 7% |
| Index | 1-Year T-Bill |
| Max Rate | 9% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 7, 2021 |
| Property Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Document Number | 0000069249 |
| Book / Page | 14433 / 686 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021-0069249 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | PCTITLE PROS INC, PCTITLE PROS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Investor | Possibly a Property Investor |
| Document Number | 0000069250 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021-0069250 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 3, 2020 |
| Property Address | 9650 ZIG ZAG RD, MONTGOMERY, OH 45242-7112 |
| Document Number | 0000021307 |
| Book / Page | 014116 / 001171 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 21307 |
| Transaction Type | Construction Loan |
| Record Updated | May 21, 2020 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,020.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6355 E KEMPER RD #250 CINCINNATI OH 452413092, 250, CINCINNATI, OH 45241-3092 |
| Document Number | 21308 |
|---|---|
| Date | Mar 3, 2020 |
| Book Page | 014116/001173 |
| Instrument | 21308 |
| Name | CENTERBANK |
|---|---|
| Type | Bank |
| Address | MILFORD, OH 45150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 2, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 9650 Zig Zag Rd was $18,976, up 2.4% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $18,976.00 (+2.38%) | $371,000 (+%) Land $91,752 Building $279,248 | |
| 2024 | $18,535.00 (-0.56%) | $370,999 (-) Land $91,752 Building $279,247 | |
| 2023 | $18,640.00 (+0.46%) | $370,999 (+20.45%) Land $91,752 Building $279,247 | $1,060,000 Land $262,150 Building $797,850 |
| 2022 | $18,554.00 Homeowner's exemption | $308,000 Land $89,250 Building $218,750 | |
| 2020 | $880,000 Land $255,000 Building $625,000 |
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 9650 Zig Zag Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.
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.
Wildfire risk around 9650 Zig Zag Rd 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 | None beyond ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures