Sandra J Masters

With great sadness we announce the passing of our beloved aunt, Sandra J. Masters of Loveland, OH on December 18, 2025 following a lengthy struggle with Parkinson's Disease. She arrived into this world on September 24, 1945 to Clyde and Nancy Cottle of Cannel City, KY.

After moving to Ohio and graduating from Felicity Franklin High School, she married Kenneth Masters sharing 28 years of love and adventure together until his death in 1995. Sandra's professional life started at Ohio National Bank then she exchanged finance for insurance and began a new career with Union Central Life Insurance Company/Ameritas where she thrived for five decades as a chartered life underwriter.

Around the table either with family or friends she created a sense of belonging, making everyone feel welcomed and valued. Those times were filled with laughter, connection and the simple joy of being together-just as she loved it. She will be remembered for her strength, her thoughtful heart and the way she made life richer for those around her. Her legacy lives on in the countless lives she touched and the love she shared so freely.

Sandra is preceded in death by her husband J. Kenneth Masters, parents Clyde and Nancy Cottle, sisters Georgia Dunaway and Brenda Tyra and brother Thomas Cottle. She is survived by two brother-in-laws Melvin Dunaway and Earnie (Sharon) Tyra, five nieces Kelly (Kevin) Groh, Melissa (Rod) Geiger, Angela (Chris) Kiger, Ann (Brad) Reece, Jennifer (Rob Hirschauer) Ross; 18 great nieces and nephews; 5 great, great nieces and nephews.

The family wishes to extend a special thanks to the dedicated staff at Otterbein Union Township for their care for Sandy these last weeks. Kim and Stephanie of Otterbein Hospice have our heartfelt thanks as well.

In her memory, donations may be made to these causes which Sandra felt strongly about:

City Gospel Mission Cincinnati
https://www.citygospelmission.org/

The Wounded Warrior Project
https://support.woundedwarriorproject.org

St. Jude Children's Research Hospital
https://www.stjude.org/

Visitation will be held Monday, December 22 from 9:30-11am followed by a memorial service at Epiphany United Methodist Church 6635 Loveland-Miamiville Rd, Loveland, OH 45140. Graveside committal directly following at Felicity Cemetery off of Light Street in Felicity, OH. Arrangements by the John H. Evans Funeral Home 741 Center Street Milford, OH 45150.