Clermont County property record for 520 Elm Tree Ct, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 1993 |
| Lot Size | 0.18 acres (7,947 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (Apr 2023) |
| Tax Bill | $3,962 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-72-01D-133 |
| Primary APN | 41-72-01D-133 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,947 sqft (0.18 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 460 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 292 sqft |
| Patio Area | 292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 520 ELM TREE CT |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45244-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAUREL MEADOWS E; UNIT PARCEL 133 |
| Legal Subdivision | LAUREL MEADOWS |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 41405 |
Source: Clermont County records, as of April 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 | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Apr 12, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA |
| Feb 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on Record |
| Deed Sale | Apr 21, 2023 · Amount on Record |
| Prior Sale | Feb 3, 2017 · Amount on Record |
| Deed Document Number | 20236904 |
| Deed Book / Page | 2942 / 5129 |
| Prior Transfer Date | May 18, 2021 |
| Prior Transfer Doc | 0000010234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 21, 2023 |
| Property Address | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000006904 |
| Book / Page | 2942 / 5129 |
| Map Reference | CAB 4 PG 687-690 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 202300006904 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2023 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY |
| 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 | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000006905 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 202300006905 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Apr 12, 2022 |
| Property Address | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000010234 |
| Book / Page | 2916 / 5604 |
| Map Reference | CAB 4 PG 687-690 |
| Instrument Date | May 18, 2021 |
| Instrument | 202200010234 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000010235 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 202200010235 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Feb 3, 2017 |
| Property Address | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000002810 |
| Book / Page | 2688 / 1974 |
| Map Reference | PL CAB 4 PG 687-689 |
| Instrument Date | Dec 7, 2016 |
| Instrument | 201700002810 |
| Transaction Type | Transfer |
| Record Updated | May 16, 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 |
|---|---|
| Address | 520 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000002811 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 2688/1976 |
| Instrument | 201700002811 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
Source: Clermont County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clermont County |
| County Subdivision | Union Township |
| Unified School District | West Clermont Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,962.00 (-49.39%) | $78,720 (-) Land $17,400 Building $61,320 | |
| 2024 | $224,900 (-) Land $49,700 Building $175,200 | ||
| 2023 | $7,829.00 (+135.67%) Homeowner's exemption | $78,720 (+38.06%) Land $17,400 Building $61,320 | $224,900 (+38.06%) Land $49,700 Building $175,200 |
| 2022 | $3,322.00 Homeowner's exemption | $57,020 Land $12,600 Building $44,420 | |
| 2020 | $162,900 Land $36,000 Building $126,900 |
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 February 6, 2010 · 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 | 1 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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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