9937 Zig Zag Rd, Montgomery (Cincinnati), OH 45242 Property Records

Hamilton County property record for 9937 Zig Zag Rd, Montgomery, OH 45242

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,176 sqft · built 1968
Lot Size	0.987 acres (42,994 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jul 2019)
Tax Bill	$9,105 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`603-0013-0174-00`

Property Details

APN / Parcel Number

Primary APN	`603-0013-0174-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	1,066 sqft
2nd Floor Area	1,110 sqft
Basement Area	1,066 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	42,994 sqft (0.987 acres)
Lot Dimensions	200 ft deep x 20 ft wide
Garage Type	Attached
Garage Area	808 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	300 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	9937 ZIG ZAG RD
City	MONTGOMERY
State	OH
Zip	45242-6312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZIG ZAG RD 20 X 200 IRR LOT 4 CHEROKEE WOODS SUB BLK A
Legal Subdivision	CHEROKEE WOODS SUB
Legal Block	A
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1007
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	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Mar 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BK&TR
Jul 23, 2019	Deed, Transfer · ARM REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Feb 17, 2012 · Amount on Record
Deed Document Number	0000059435
Deed Book / Page	13964 / 00648
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000121126
Date	Oct 6, 2021
Book Page	14517/2121
Instrument	2021-0121126

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019045
Date	Mar 7, 2018
Instrument	18-0019045

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312
Document Number	0000093249
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9937 ZIG ZAG RD MONTGOMERY OH 452426312, MONTGOMERY, OH 45242-6312

Mortgage

Document Number	0000093249
Date	Sep 14, 2020
Book Page	014252/004278
Instrument	93249

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 23, 2019
Property Address	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312
Document Number	0000059435
Book / Page	13964 / 00648
Map Reference	MB 122 PG 55
Instrument Date	Jul 19, 2019
Instrument	2019-0059435
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,840.00
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	9937 ZIG ZAG RD, MONTGOMERY, OH 45242-6312

Mortgage

Document Number	0000059436
Date	Jul 23, 2019
Instrument	2019-0059436

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

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	$9,105.00 (+2.3%)	$177,832 (-) Land $52,336 Building $125,496
2024	$8,900.00 (-0.51%)	$177,832 (-) Land $52,336 Building $125,496
2023	$8,946.00 (-7.85%)	$177,832 (+10.45%) Land $52,336 Building $125,496	$508,090 (+10.45%) Land $149,530 Building $358,560
2022	$9,708.00 Homeowner's exemption	$161,000 Land $57,568 Building $103,432
2020			$460,000 Land $164,480 Building $295,520

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

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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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