9730 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 9730 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,701 sqft · built 2005
Lot Size	0.626 acres (27,269 sqft)
Owner	2 Individual Names on File
Last Sale	$895,000 (Sep 2008)
Tax Bill	$19,439 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`603-0001-0101-00`

Property Details

APN / Parcel Number

Primary APN	`603-0001-0101-00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,701 sqft Living Area
1st Floor Area	1,937 sqft
2nd Floor Area	1,764 sqft
Basement Area	2,007 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	27,269 sqft (0.626 acres)
Lot Dimensions	282 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	90 sqft
Patio Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	9730 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZIG ZAG RD 79.98 X 282.80IRR R1-T4-S3 NW
Legal Range	01
Legal Township	04
Legal Section	03
Legal Subdivision	ANDERSON HILL
Jurisdiction	HAMILTON OH
Township / Civil Division	MONTGOMERY
Census Block Group	3
Census Block	3004
Census Tract	23902

Owner

9730 Zig Zag Rd is owned and occupied by two individuals who bought it in September 2008.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9730 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 7, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Dec 23, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2008 · Amount on File
Deed Sale	Sep 18, 2008 · Amount on File
Prior Sale	Sep 15, 2004 · Amount on File
Deed Document Number	08-127610
Deed Book / Page	10953 / 00204
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9730 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000105395
Date	Sep 1, 2021
Book Page	14493/110
Instrument	2021-0105395

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7%
Index	Other
Max Rate	7%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9730 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000047008
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9730 ZIG ZAG RD MONTGOMERY OH 452427114, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000047008
Date	May 19, 2020
Book Page	014171/002365
Instrument	47008

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9730 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000115633
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9730 ZIG ZAG RD MONTGOMERY OH 452427114, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000115633
Date	Dec 31, 2019
Book Page	014074/000615
Instrument	115633

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 9730 Zig Zag Rd was $19,439, up 2.3% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Montgomery City
Unified School District	Sycamore Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,439.00 (+2.35%)	$379,911 (+%) Land $61,169 Building $318,742
2024	$18,993.00 (-0.54%)	$379,910 (-) Land $61,169 Building $318,741
2023	$19,097.00 (-1.85%)	$379,910 (+17.67%) Land $61,169 Building $318,741	$1,085,460 Land $174,770 Building $910,690
2022	$19,457.00 Homeowner's exemption	$322,869 Land $61,170 Building $261,699
2020			$922,480 Land $174,770 Building $747,710

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

FEMA maps place 9730 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

Wildfire risk around 9730 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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