995 Castlebay, Cincinnati, OH 45245 Property Records

Clermont County property record for 995 Castlebay, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,412 sqft · built 1994
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$529,000 (Feb 2024)
Tax Bill	$5,350 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-28-13G-189`

Property Details

APN / Parcel Number

Primary APN	`28-28-13G-189`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,412 sqft Living Area
1st Floor Area	1,296 sqft
Attic	Attic
Attic Area	484 sqft
Basement Area	587 sqft
Unfinished Basement	587 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	23,522 sqft (0.54 acres)
View / Lot	Cul-de-sac
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	237 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	995 CASTLEBAY
City	CINCINNATI
State	OH
Zip	45245-4909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASTLEBAY AT ROYAL OAK; LOT 40
Legal Subdivision	CASTLEBAY AT ROYAL OAK
Legal Lot Number	40
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1004
Census Tract	41505

Owner

995 Castlebay is owned and occupied by two individuals who bought it in February 2024.

Source: Clermont County records, as of April 13, 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	2 Individual Names on File
Mailing Address	995 CASTLEBAY, CINCINNATI, OH 45245-4909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2024 · Amount on File
Deed Sale	Feb 8, 2024 · Amount on File
Prior Sale	Feb 7, 2001 · Amount on File
Deed Document Number	20242305
Deed Book / Page	2961 / 2399
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Feb 8, 2024
Property Address	995 CASTLEBAY, CINCINNATI, OH 45245-4909
Document Number	0000002305
Book / Page	2961 / 2399
Map Reference	CAB 5 PGS 114
Instrument Date	Feb 2, 2024
Instrument	202400002305
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	995 CASTLEBAY, CINCINNATI, OH 45245-4909

Mortgage

Document Number	0000002306
Date	Feb 8, 2024
Instrument	202400002306

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 995 Castlebay was $5,350 with a homeowner's exemption.

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Pierce Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,350.00	$119,810 Land $20,970 Building $98,840
2024			$342,300 (-) Land $59,900 Building $282,400
2023	$11,574.00 (+104.7%) Homeowner's exemption	$119,810 (+24.66%) Land $20,970 Building $98,840	$342,300 Land $59,900 Building $282,400
2022	$5,654.00 Homeowner's exemption	$96,110 Land $16,800 Building $79,310
2020			$274,600 Land $48,000 Building $226,600

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 995 Castlebay in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · 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	1 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 995 Castlebay 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	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: altafiber Network Solutions, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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