Warren County property record for 203 Penders Ave, Morrow, OH 45152
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1900 |
| Lot Size | 0.347 acres (15,470 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jul 2026) |
| Tax Bill | $2,202 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2025 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 13-07-454-012-0 |
| Primary APN | 13-07-454-012-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 15,470 sqft (0.347 acres) |
| Lot Dimensions | 130 ft deep x 119 ft wide |
| Deck Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Account Number | 5000793 |
|---|---|
| Street Address | 203 PENDERS AVE |
| City | MORROW |
| State | OH |
| Zip | 45152-1203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITACRE 1 LOT 13-PT.14 |
| Legal Subdivision | WHITACRE 1 |
| Legal Block | 793 |
| Legal Lot Number | 13-14 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 32300 |
Source: Warren County records, as of August 13, 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 | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 18, 2025 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Apr 25, 2024 | Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC |
| Aug 19, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAP & INV LLC |
| Apr 6, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on Record |
| Deed Sale | Jul 30, 2026 · Amount on Record |
| Prior Sale | Apr 6, 2017 · Amount on Record |
| Deed Document Number | 202621402 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Jul 30, 2026 |
| Property Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000021402 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202621402 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69,690.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000021403, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 202621403 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2051 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATL TITLE INS COMPANY |
| Name | Verified Name |
|---|---|
| Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000020092 |
|---|---|
| Date | Aug 18, 2025 |
| Instrument | 2025-020092 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33401 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000008612 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 2024-008612 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | 5600 CHAPPELL CROSSING BLVD, WEST CHESTER, OH 45069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 18, 2039 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000035961 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 203 PENDERS AVE MORROW OH 451521203, MORROW, OH 45152-1203 |
| Document Number | 0000035961 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 35961 |
| Name | VILLAGE CAP & INV LLC |
|---|---|
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Apr 6, 2017 |
| Property Address | 203 PENDERS AVE, MORROW, OH 45152-1203 |
| Document Number | 0000010489 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 10489 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2017 |
| Title Company | VANTAGE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 203 PENDERS AVE MORROW OH 451521203, MORROW, OH 45152-1203 |
| Document Number | 10490 |
|---|---|
| Date | Apr 6, 2017 |
| Instrument | 10490 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2047 |
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Salem Township |
| Municipality | Morrow Village |
| Unified School District | Little Miami Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,202.00 (+23.29%) | $49,030 (+38.56%) Land $21,790 Building $27,240 | $140,080 (+38.56%) Land $62,260 Building $77,820 |
| 2023 | $1,786.00 (+1.02%) Homeowner's exemption | $35,385 (-) Land $11,169 Building $24,216 | |
| 2022 | $1,768.00 Homeowner's exemption | $35,385 Land $11,169 Building $24,217 | $101,100 (-) Land $31,910 Building $69,190 |
| 2021 | $101,100 Land $31,910 Building $69,190 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bresco Broadband Fiber | 10,000 / 10,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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