10020 Morgans Trace Dr, Loveland, OH 45140 Property Records

Hamilton County property record for 10020 Morgans Trace Dr, Loveland, OH 45140

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,528 sqft · built 1979
Lot Size	0.578 acres (25,178 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Apr 2010)
Tax Bill	$7,621 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`620-0160-0168-00`

Property Details

APN / Parcel Number

Primary APN	`620-0160-0168-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,528 sqft Living Area
1st Floor Area	1,358 sqft
2nd Floor Area	1,170 sqft
Basement Area	1,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	25,178 sqft (0.578 acres)
Lot Dimensions	255 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	10020 MORGANS TRACE DR
City	LOVELAND
State	OH
Zip	45140-8903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGANSTRACE 100 X 255.52 IRR LOT 9 MORGANS TRACE SUB BLK A
Legal Subdivision	MORGANS TRACE SUB
Legal Block	A
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	SYMMES
Census Block Group	6
Census Block	6002
Census Tract	24322

Owner

10020 Morgans Trace Dr is owned and occupied by two individuals who bought it in April 2010.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10020 MORGANS TRACE DR, LOVELAND, OH 45140-8903
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2010 · Amount on File
Deed Sale	Apr 21, 2010 · Amount on File
Prior Sale	Nov 21, 1995
Deed Document Number	10-043532
Deed Book / Page	11411 / 00048
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	10020 MORGANS TRACE DR, LOVELAND, OH 45140-8903
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004726
Date	Nov 15, 2017
Instrument	17-0104726

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 10020 Morgans Trace Dr was $7,621, up 3.2% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Symmes Township
Unified School District	Sycamore Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,621.00 (+3.17%)	$150,301 (-) Land $28,938 Building $121,363
2024	$7,387.00 (+0.6%)	$150,301 (-) Land $28,938 Building $121,363
2023	$7,343.00 (+16.59%)	$150,301 (+43.53%) Land $28,938 Building $121,363	$429,430 Land $82,680 Building $346,750
2022	$6,298.00 Homeowner's exemption	$104,720 Land $28,938 Building $75,782
2020			$299,200 Land $82,680 Building $216,520

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

FEMA maps place 10020 Morgans Trace Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	18 (1979–2020)
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2001 · 3 claims

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 10020 Morgans Trace Dr 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 36 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20