526 Elm Tree Ct, Cincinnati, OH 45244 Property Records

Clermont County property record for 526 Elm Tree Ct, Cincinnati, OH 45244

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,764 sqft · built 1992
Lot Size	0.149 acres (6,469 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Nov 2021)
Tax Bill	$4,582 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-72-01D-136`

Property Details

APN / Parcel Number

Primary APN	`41-72-01D-136`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
1st Floor Area	648 sqft
Basement Area	570 sqft
Finished Basement	330 sqft
Unfinished Basement	240 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,469 sqft (0.149 acres)
View / Lot	Cul-de-sac
Garage Area	440 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	280 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	526 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 136
Legal Subdivision	LAUREL MEADOWS
Jurisdiction	CLERMONT OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4007
Census Tract	41405

Owner

526 Elm Tree Ct is owned and occupied by an individual who bought it in November 2021.

Source: Clermont County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	526 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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 20, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Sep 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Mar 20, 2020 · Amount on File
Deed Document Number	202137008
Deed Book / Page	2901 / 4485
Prior Transfer Date	Sep 18, 2018
Prior Transfer Doc	0000022043
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Nov 12, 2021
Property Address	526 ELM TREE CT, CINCINNATI, OH 45244-4403
Document Number	0000037008
Book / Page	2901 / 4485
Map Reference	CAB 4 PG 687-690
Instrument Date	Nov 5, 2021
Instrument	202100037008
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	526 ELM TREE CT, CINCINNATI, OH 45244-4403

Mortgage

Document Number	0000037009
Date	Nov 12, 2021
Instrument	202100037009

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	526 ELM TREE CT, CINCINNATI, OH 45244-4403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002225
Date	Jan 21, 2021
Book Page	2866/5628
Instrument	202100002225

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Mar 20, 2020
Property Address	526 ELM TREE CT, CINCINNATI, OH 45244-4403
Document Number	0000006951
Book / Page	002833 / 003674
Instrument Date	Mar 17, 2020
Instrument	6951
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	526 ELM TREE CT CINCINNATI OH 452444403, CINCINNATI, OH 45244-4403

Mortgage

Document Number	6952
Date	Mar 20, 2020
Book Page	002833/003676
Instrument	6952

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLERMONT OH
Recording Date	Sep 28, 2018
Property Address	526 ELM TREE CT, CINCINNATI, OH 45244-4403
Document Number	0000022043
Book / Page	2793 / 1153
Map Reference	CAB 4 PG 687-690
Instrument Date	Sep 18, 2018
Instrument	201800022043
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0000022044
Date	Sep 28, 2018
Instrument	201800022044

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 526 Elm Tree Ct was $4,582 with a homeowner's exemption.

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Union Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,582.00	$91,040 Land $17,400 Building $73,640
2024			$260,100 (-) Land $49,700 Building $210,400
2023	$9,054.00 (+135.66%) Homeowner's exemption	$91,040 (+38.06%) Land $17,400 Building $73,640	$260,100 Land $49,700 Building $210,400
2022	$3,842.00 Homeowner's exemption	$65,940 Land $12,600 Building $53,340
2020			$188,400 Land $36,000 Building $152,400

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

FEMA maps place 526 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

Wildfire risk around 526 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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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