Clermont County property record for 524 Elm Tree Ct, Cincinnati, OH 45244
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,946 sqft · built 1993 |
| Lot Size | 0.138 acres (6,032 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Jun 2021) |
| Tax Bill | $4,557 (2025) |
| Deeds & Mortgages | Jun 2021 Sale Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-72-01D-135 |
| Primary APN | 41-72-01D-135 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,946 sqft Living Area |
| 1st Floor Area | 826 sqft |
| Basement Area | 112 sqft |
| Finished Basement | 600 sqft |
| Unfinished Basement | 112 sqft |
| Family Room | Family Room |
| 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 | 6,032 sqft (0.138 acres) |
| View / Lot | Cul-de-sac |
| Garage Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 524 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 135 |
| Legal Subdivision | LAUREL MEADOWS |
| Jurisdiction | CLERMONT OH |
| Township / Civil Division | UNION |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 41405 |
524 Elm Tree Ct is owned and occupied by an individual who bought it in June 2021.
Source: Clermont County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 524 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2021 | Warranty Deed, Transfer |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2021 · Amount on File |
| Deed Sale | Jun 9, 2021 · Amount on File |
| Prior Sale | Jul 8, 2016 · Amount on File |
| Deed Document Number | 202118755 |
| Deed Book / Page | 2883 / 2953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLERMONT OH |
| Recording Date | Jun 9, 2021 |
| Property Address | 524 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Number | 0000018755 |
| Book / Page | 2883 / 2953 |
| Map Reference | CAB 4 PG 687-690 |
| Instrument Date | May 28, 2021 |
| Instrument | 202100018755 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 524 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLERMONT OH |
| Property Address | 524 ELM TREE CT, CINCINNATI, OH 45244-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0000010122 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 2836/5686 |
| Instrument | 202000010122 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 524 Elm Tree Ct was $4,557 with a homeowner's exemption.
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 | $4,557.00 | $90,550 Land $17,400 Building $73,150 | |
| 2024 | $258,700 (-) Land $49,700 Building $209,000 | ||
| 2023 | $9,006.00 (+118.01%) Homeowner's exemption | $90,550 (+27.7%) Land $17,400 Building $73,150 | $258,700 Land $49,700 Building $209,000 |
| 2022 | $4,131.00 Homeowner's exemption | $70,910 Land $12,600 Building $58,310 | |
| 2020 | $202,600 Land $36,000 Building $166,600 |
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.
FEMA maps place 524 Elm Tree Ct in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 524 Elm Tree Ct is low, with a 0.01% annual chance of 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 | 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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