109 Flora Dr, Morrow, OH 45152 Property Records

Warren County property record for 109 Flora Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1956
Lot Size	0.338 acres (14,723 sqft)
Owner	Individual Name on Record
Last Sale	$86,633 (Jun 2010)
Tax Bill	$2,743 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-18-227-006-0`

Property Details

APN / Parcel Number

Primary APN	`17-18-227-006-0`
Alternative APNs	`1718227006` `5002125`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,688 sqft
1st Floor Area	1,288 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick/Stone
Construction Type	Brick
Lot Area	14,723 sqft (0.338 acres)
Lot Dimensions	110 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	160 sqft
Deck Area	30 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5002125
Street Address	109 FLORA DR
City	MORROW
State	OH
Zip	45152-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLORA
Legal Subdivision	FLORA
Legal Block	125
Jurisdiction	WARREN OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2015
Census Tract	32300

Owner

Source: Warren County records, as of August 12, 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
Mailing Address	109 FLORA DR, MORROW, OH 45152-1003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 5, 2017	Deed of Trust, Mortgage · FHA Mortgage WESTERN OH MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2010 · Amount on Record
Deed Sale	Jun 3, 2010 · Amount on Record
Prior Sale	Sep 3, 2009 · Amount on Record
Deed Document Number	2010780694
Deed Book / Page	5090 / 621
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jul 29, 2026
Property Address	109 FLORA DR, MORROW, OH 45152-1003
Document Number	0000021269
Instrument Date	May 28, 2026
Instrument	202621269
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLORA DR, MORROW, OH 45152-1003

Mortgage

Document Number	0000021269,
Date	Jul 29, 2026
Instrument	202621269

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2047

Interest

Rate	6.3%
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	109 FLORA DR, MORROW, OH 45152-1003
Document Number	0000014294
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLORA DR MORROW OH 451521003, MORROW, OH 45152-1003

Mortgage

Document Number	0000014294
Date	May 11, 2017
Instrument	14294

Lender

Name	WESTERN OH MTG
Type	Mortgage Company
Address	SIDNEY, OH 45365

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Salem Township
Municipality	Morrow Village
Unified School District	Little Miami Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,743.00 (+17.98%)	$59,560 (+32.62%) Land $21,110 Building $38,450	$170,160 (+32.62%) Land $60,310 Building $109,850
2023	$2,325.00 (+1.04%)	$44,909 (-) Land $10,819 Building $34,090
2022	$2,301.00	$44,909 Land $10,819 Building $34,090	$128,310 (-) Land $30,910 Building $97,400
2021			$128,310 Land $30,910 Building $97,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · 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 Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	17 (1978–2024)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Nov 2024 · other causes

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MORROW VILLAGE PWS serves 3,360 people · EPA ID OH8300912
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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

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