Warren County property record for 3720 Rte 123, Morrow, OH 45152
| Property Type | Recreational Vacant Land |
|---|---|
| Lot Size | 5 acres (217,844 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Oct 2021) |
| Tax Bill | $2,123 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-08-400-040-0 |
| Primary APN | 13-08-400-040-0 |
|---|---|
| Alternative APNs |
|
| Lot Area | 217,844 sqft (5 acres) |
|---|
| Account Number | 4820576 |
|---|---|
| Street Address | ROUTE 123 |
| City | MORROW |
| State | OH |
| Zip | 45152 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Legal Description | ROUTE 123 |
| Legal Range | 3 |
| Legal Township | 5 |
| Legal Section | 8 |
| Legal Subdivision | ROUTE 123 |
| Legal Block | 576 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | SALEM |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 32300 |
Source: Warren County records, as of February 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9636 STONE DR, WEST CHESTER, OH 45241-1418 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Jul 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK |
| Oct 21, 2021 | Warranty Deed, Transfer |
| Aug 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Prior Sale | Aug 3, 2020 · Amount on Record |
| Deed Document Number | 202147864 |
| Prior Transfer Date | Jul 14, 2004 |
| Prior Transfer Doc | 0036430305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 3720 ROUTE 123, MORROW, OH 45152 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9636 STONE DR, WEST CHESTER, OH 45241-1418 |
| Document Number | 0000016198 |
|---|---|
| Date | Jul 10, 2025 |
| Instrument | 2025-016198 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Aug 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Oct 21, 2021 |
| Property Address | 3720 ROUTE 123, MORROW, OH 45152 |
| Document Number | 0000047864 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021-047864 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 9636 STONE DR, WEST CHESTER, OH 45241-1418 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Aug 3, 2020 |
| Property Address | ROUTE 123, MORROW, OH 45152 |
| Document Number | 0000028316 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020-028316 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 6011 ROYAL GARDEN CT, MIDDLETOWN, OH 45044-1248 |
| Document Number | 0000028317 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 2020-028317 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Aug 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 9% |
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Salem Township |
| Unified School District | Little Miami Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,123.00 (-0.19%) | $46,100 (+48.31%) Land $46,100 | $131,720 (+48.32%) Land $131,720 |
| 2024 | $2,127.00 (+32.19%) | ||
| 2023 | $1,609.00 (+1.07%) | $31,084 (-) Land $31,084 | |
| 2022 | $1,592.00 | $31,084 Land $31,084 | $88,810 (-) Land $88,810 |
| 2021 | $88,810 Land $88,810 |
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.
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 | 2 in force |
| Nearby Flood Claims | 4 (1998–2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bresco Broadband Fiber | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 1,000 |
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