3121 Shale Rdg, Morrow, OH 45152 Property Records

Warren County property record for 3121 Shale Rdg, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 2015
Lot Size	0.279 acres (12,162 sqft)
Owner	Individual Name on File
Last Sale	$288,500 (Oct 2020)
Tax Bill	$4,882 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-18-160-015-0`

Property Details

APN / Parcel Number

Primary APN	`17-18-160-015-0`
Alternative APNs	`1718160015` `2636088`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,280 sqft Living Area
2nd Floor Area	960 sqft

Exterior

Year Built	Built 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	12,162 sqft (0.279 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2636088
Old Parcel Number	1718160015
Street Address	3121 SHALE RDG
City	MORROW
State	OH
Zip	45152-8017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILL.HOPEWELL VAL.1 #108
Legal Subdivision	VILL.HOPEWELL VAL.1
Legal Block	160
Legal Lot Number	108
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1011
Census Tract	32206

Owner

Source: Warren County records, as of February 20, 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	Individual Name on File
Mailing Address	3121 SHALE RDG, MORROW, OH 45152-8017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 22, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Deed Document Number	0000042298
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3121 SHALE RDG, MORROW, OH 45152-8017
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 SHALE RDG, MORROW, OH 45152-8017

Mortgage

Document Number	0000025684
Date	Oct 13, 2025
Instrument	2025-025684

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Oct 22, 2020
Property Address	3121 SHALE RDG, MORROW, OH 45152-8017
Document Number	0000042298
Map Reference	MB 71 PG 29-35
Instrument Date	Oct 16, 2020
Instrument	2020-042298
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	SAFE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 SHALE RDG, MORROW, OH 45152-8017

Mortgage

Document Number	0000042299
Date	Oct 22, 2020
Instrument	2020-042299

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Hamilton Township
Unified School District	Little Miami Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,882.00 (+18.75%)	$108,819 (+33.31%) Land $28,000 Building $80,819	$310,910 (+33.31%) Land $80,000 Building $230,910
2023	$4,111.00 (+2.85%) Homeowner's exemption	$81,627 (-) Land $15,820 Building $65,807
2022	$3,997.00 Homeowner's exemption	$81,627 Land $15,820 Building $65,807	$233,220 (-) Land $45,200 Building $188,020
2021			$233,220 Land $45,200 Building $188,020

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

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
Nearby Flood Policies	4 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

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	WESTERN WATER COMPANY private · serves 39,508 people · EPA ID OH8300512
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Bresco Broadband.

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