9740 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 9740 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,767 sqft · built 1957
Lot Size	0.351 acres (15,333 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Jan 2023)
Tax Bill	$15,220 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`603-0008-0044-00`

Property Details

APN / Parcel Number

Primary APN	`603-0008-0044-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,767 sqft Living Area
1st Floor Area	2,767 sqft
Basement Area	2,267 sqft
Finished Basement	1,800 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	15,333 sqft (0.351 acres)
Lot Dimensions	154 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	9740 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZIG ZAG RD 110.21 X 154.60 IRR LOT 7 MONTGOMERY HGTS BLK A
Legal Subdivision	MONTGOMERY HEIGHTS
Legal Block	A
Legal Lot Number	7
Jurisdiction	HAMILTON OH
Township / Civil Division	MONTGOMERY
Census Block Group	3
Census Block	3004
Census Tract	23902

Owner

Source: Hamilton County records, as of February 9, 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
Co-owner	Co-owner on Record
Mailing Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 20, 2023	Warranty Deed, Transfer GRANDE TITLE AGENCY LLC, TANDEM TITLE AGENCY LLC
Oct 20, 2022	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CU INC
Jan 9, 2019	Warranty Deed, Transfer BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Oct 20, 2022 · Amount on Record
Deed Document Number	0000005198
Deed Book / Page	14836 / 160
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000074305
Date	Oct 18, 2023
Book Page	15024/925
Instrument	2023-0074305

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000121186
Date	Nov 17, 2020
Book Page	14297/2007
Instrument	2020-0121186

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 20, 2023
Property Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000005198
Book / Page	14836 / 160
Map Reference	MB 84 PG 10-12
Instrument Date	Jan 12, 2023
Instrument	2023-0005198
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	GRANDE TITLE AGENCY LLC, TANDEM TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 20, 2022
Property Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000099087
Book / Page	14777 / 147
Map Reference	MB 84 PG 10-12
Instrument Date	Oct 18, 2022
Instrument	2022-0099087
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000099088
Date	Oct 20, 2022
Instrument	2022-0099088

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year T-Bill
Max Rate	11.1%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 9, 2019
Property Address	9740 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000002314
Book / Page	013830 / 000402
Instrument Date	Dec 28, 2018
Instrument	2314
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,827.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9740 ZIG ZAG RD MONTGOMERY OH 452427114, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	2315
Date	Jan 9, 2019
Book Page	013830/000405
Instrument	2315

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

Tax Assessment & Valuation

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	$15,220.00 (+2.37%)	$297,500 (-) Land $43,225 Building $254,275
2024	$14,868.00 (-0.56%)	$297,500 (-) Land $43,225 Building $254,275
2023	$14,951.00 (+16.4%)	$297,500 (+39.57%) Land $43,225 Building $254,275	$850,000 (+39.57%) Land $123,500 Building $726,500
2022	$12,844.00 Homeowner's exemption	$213,150 Land $36,575 Building $176,575
2020			$609,000 Land $104,500 Building $504,500

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 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

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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