9825 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 9825 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,499 sqft · built 2006
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Aug 2012)
Tax Bill	$17,414 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`603-0007-0002-00`

Property Details

APN / Parcel Number

Primary APN	`603-0007-0002-00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,499 sqft Living Area
Gross Area	6,947 sqft
1st Floor Area	1,969 sqft
2nd Floor Area	2,305 sqft
Basement Area	1,969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	113 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	9825 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-6348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ZIG ZAG RD100 X 200 IRR LOT 9SWAIN ACRES SUB BLK APARS 2 & PG 13 PAR 246 CONS
Legal Subdivision	SWAIN ACRES SUB
Legal Block	A
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1008
Census Tract	23902

Owner

9825 Zig Zag Rd is owned and occupied by two individuals who bought it in August 2012.

Source: Hamilton County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
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
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Sep 18, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2012 · Amount on File
Deed Sale	Aug 9, 2012 · Amount on File
Prior Sale	Nov 15, 2006 · Amount on File
Deed Document Number	2012100731
Deed Book / Page	12087 / 2116
Prior Transfer Date	Nov 30, 1994
Prior Transfer Doc	0000197688
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Aug 17, 2026
Property Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Document Number	0000067276
Book / Page	15730 / 2090
Instrument Date	Aug 7, 2026
Instrument	202667276
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348

Mortgage

Document Number	0000067276,
Date	Aug 17, 2026
Book Page	15730/2090
Instrument	202667276

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Aug 7, 2038

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Investor	Possibly a Property Investor

Mortgage

Document Number	0000078668
Date	Jun 29, 2021
Book Page	14448/918
Instrument	2021-0078668

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	DELAWARE, OH 43015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 15, 2031

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078667
Date	Jun 29, 2021
Book Page	14448/905
Instrument	2021-0078667

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	DELAWARE, OH 43015

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080159
Date	Sep 18, 2019
Book Page	14004/02455
Instrument	2019-0080159

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9825 ZIG ZAG RD, MONTGOMERY, OH 45242-6348
Document Number	0000099573
Book / Page	013534 / 002095
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	9825 ZIG ZAG RD MONTGOMERY OH 452426348, MONTGOMERY, OH 45242-6348

Mortgage

Document Number	0000099573
Date	Oct 30, 2017
Book Page	013534/002095
Instrument	99573

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9825 Zig Zag Rd was $17,414, up 1.8% from the year before.

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	$17,414.00 (+1.8%)	$342,353 (-) Land $48,013 Building $294,340	$978,150 Land $137,180 Building $840,970
2024	$17,106.00 (-0.56%)	$342,353 (-) Land $48,013 Building $294,340
2023	$17,203.00 (-1.44%)	$342,353 (+18.17%) Land $48,013 Building $294,340	$978,150 Land $137,180 Building $840,970
2022	$17,454.00 Homeowner's exemption	$289,720 Land $48,006 Building $241,714
2020			$827,770 Land $137,160 Building $690,610

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 9825 Zig Zag Rd in Zone X, an area of minimal flood risk.

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

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 9825 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	Direct burnable vegetation

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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