3970 Ray Ct, Morrow, OH 45152 Property Records

Warren County property record for 3970 Ray Ct, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,401 sqft · built 1980
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Sep 2018)
Tax Bill	$4,184 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-399-012-0`

Property Details

APN / Parcel Number

Primary APN	`14-26-399-012-0`
Alternative APNs	`1426399012` `4814401`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,401 sqft Living Area
1st Floor Area	1,305 sqft
Attic Area	254 sqft
Basement Area	254 sqft
Finished Basement	254 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Lot Area	87,120 sqft
Terrain	Rolling
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	4814401
Old Parcel Number	1426399012
Street Address	3970 RAY CT
City	MORROW
State	OH
Zip	45152-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LITTLE MIAMI ACRES 2 #42
Legal Subdivision	LITTLE MIAMI ACRES 2
Legal Block	399
Legal Lot Number	42
Jurisdiction	WARREN OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2001
Census Tract	32300

Owner

Source: Warren County records · APN 14-26-399-012-0

Assessment roll updated August 1, 2025 · Last verified February 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 File
Mailing Address	3970 RAY CT, MORROW, OH 45152-9718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 06, 2018 · Amount on Record
Deed Sale	Sep 06, 2018 · Amount on Record
Prior Sale	Mar 04, 2009 · Amount on Record
Deed Document Number	0004818776
Deed Book / Page	4818 / 776
Record Updated	Jun 08, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Sep 06, 2018
Property Address	3970 RAY CT, MORROW, OH 45152-9718
Document Number	0000025516
Instrument Date	Aug 31, 2018
Instrument	25516
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3970 RAY CT MORROW OH 451529718, MORROW, OH 45152-9718

Mortgage

Document Number	25517
Date	Sep 06, 2018
Instrument	25517

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2048

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated August 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,184.00 (+16.22%)	$93,163 (+30.64%) Land $27,300 Building $65,863	$266,180 (+30.64%) Land $78,000 Building $188,180
2023	$3,600.00 (+1.01%) Homeowner's exemption	$71,313 (-) Land $12,915 Building $58,398
2022	$3,564.00 Homeowner's exemption	$71,313 Land $12,915 Building $58,398	$203,750 (-) Land $36,900 Building $166,850
2021			$203,750 Land $36,900 Building $166,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 25, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Little Miami Gig.

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MORROW VILLAGE PWS serves 3,360 people
Water Source	Groundwater
Last State Inspection	Jan 2023
Also Mapped Here	WESTERN WATER COMPANY
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.