521 Shepherds Way, Morrow, OH 45152 Property Records

Warren County property record for 521 Shepherds Way, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,868 sqft · built 2013
Lot Size	0.275 acres (12,001 sqft)
Owner	2 Owner Names on Record
Last Sale	$266,370 (Apr 2014)
Tax Bill	$7,279 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-32-343-012-0`

Property Details

APN / Parcel Number

Primary APN	`13-32-343-012-0`
Alternative APNs	`1332343012` `6810980`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,868 sqft Living Area
2nd Floor Area	1,075 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Foundation Type	Concrete
Lot Area	12,001 sqft (0.275 acres)
Garage Type	Attached
Garage Area	84 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	6810980
Old Parcel Number	1332343012
Street Address	521 SHEPHERDS WAY
City	MORROW
State	OH
Zip	45152-7948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEPHERDS CROSSING #5
Legal Subdivision	SHEPHERDS CROSSING
Legal Block	343
Legal Lot Number	5
Jurisdiction	WARREN OH
Township / Civil Division	UNION
Census Block Group	3
Census Block	3002
Census Tract	32100

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	2 Owner Names on Record
Mailing Address	521 SHEPHERDS WAY, MORROW, OH 45152-7948
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2014 · Amount on Record
Deed Sale	Apr 2, 2014 · Amount on Record
Prior Sale	Nov 21, 2013 · Amount on Record
Deed Document Number	0000007875
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	521 SHEPHERDS WAY, MORROW, OH 45152-7948
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021028171
Date	Jun 18, 2021
Instrument	2021-028171

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	521 SHEPHERDS WAY, MORROW, OH 45152-7948
Document Number	0000010683
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	521 SHEHERDS WAY MORROW OH 45152, MORROW, OH 45152

Mortgage

Document Number	0000010683
Date	Apr 1, 2020
Instrument	10683

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 31, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Union Township
Municipality	South Lebanon City
Unified School District	Kings Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,279.00 (+15.28%)	$144,823 (+30.66%) Land $28,000 Building $116,823	$413,780 (+30.66%) Land $80,000 Building $333,780
2023	$6,314.00 (+3.92%) Homeowner's exemption	$110,838 (+2.82%) Land $15,820 Building $95,018
2022	$6,076.00 Homeowner's exemption	$107,800 Land $15,820 Building $91,980	$316,680 (+2.82%) Land $45,200 Building $271,480
2021			$308,000 Land $45,200 Building $262,800

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
Flood Insurance Cost	Premium on Record median of 33 policies
Nearby Flood Policies	33 in force
Nearby Flood Claims	41 (1995–2018)
Claims Outside the SFHA	6 of 41
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.

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	SOUTH LEBANON CITY PWS serves 7,792 people · EPA ID OH8301312
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	May 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 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: T-Mobile.

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