9770 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 9770 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,384 sqft · built 2006
Lot Size	0.338 acres (14,723 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Aug 2017)
Tax Bill	$16,946 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`603-0008-0041-00`

Property Details

APN / Parcel Number

Primary APN	`603-0008-0041-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,384 sqft Living Area
Gross Area	6,059 sqft
1st Floor Area	2,200 sqft
2nd Floor Area	984 sqft
Basement Area	2,200 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	14,723 sqft (0.338 acres)
Lot Dimensions	173 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	302 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	9770 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-7114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	ZIG ZAG RD 88 X 173.59 IRRLOT 4 MONTGOMERY HTS SUB BLK A
Legal Subdivision	MONTGOMERY HTS SUB
Legal Block	A
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	MONTGOMERY
Census Block Group	3
Census Block	3004
Census Tract	23902

Owner

Source: Hamilton County records, as of January 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 4, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/NTHRN KY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2017 · Amount on Record
Deed Sale	Aug 2, 2017 · Amount on Record
Prior Sale	May 8, 2013 · Amount on Record
Deed Document Number	201769829
Prior Transfer Date	Aug 26, 2015
Prior Transfer Doc	0000000285
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051968
Date	Jun 4, 2020
Book Page	14182/10
Instrument	2020-0051968

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000081797
Date	Aug 17, 2020
Book Page	14233/2330
Instrument	2020-0081797

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	CINCINNATI, OH 45242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 13, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000034320
Date	Apr 4, 2022
Book Page	14638/1269
Instrument	2022-0034320

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Nov 25, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034319
Date	Apr 4, 2022
Book Page	14638/1265
Instrument	2022-0034319

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	236 Months
Due	Dec 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000084276
Date	Sep 1, 2022
Book Page	14743/326
Instrument	2022-0084276

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jun 25, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9770 ZIG ZAG RD, MONTGOMERY, OH 45242-7114
Document Number	0000029585
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9770 ZIG ZAG RD MONTGOMERY OH 452427114, MONTGOMERY, OH 45242-7114

Mortgage

Document Number	0000029585
Date	Apr 19, 2019
Book Page	013900/000291
Instrument	29585

Lender

Name	FIFTH THIRD BK/NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2049

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

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	$16,946.00 (+2.38%)	$331,255 (+%) Land $39,519 Building $291,736	$946,440 (-) Land $112,910 Building $833,530
2024	$16,552.00 (-0.56%)	$331,253 (-) Land $39,518 Building $291,735
2023	$16,646.00 (+12.77%)	$331,253 (+35.2%) Land $39,518 Building $291,735	$946,440 (+35.21%) Land $112,910 Building $833,530
2022	$14,761.00 Homeowner's exemption	$245,001 Land $33,443 Building $211,558
2020			$700,000 Land $95,550 Building $604,450

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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