5491 Zoar Rd, Morrow, OH 45152 Property Records

Warren County property record for 5491 Zoar Rd, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 2020
Lot Size	2.74 acres (119,529 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,162 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-30-151-007-0`

Property Details

APN / Parcel Number

Primary APN	`17-30-151-007-0`
Alternative APNs	`17301510060` `1730151007` `2638594`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,004 sqft Living Area
1st Floor Area	2,004 sqft

Exterior

Year Built	Built 2020
Exterior Material	Brick/Stone
Foundation Type	Concrete
Lot Area	119,529 sqft (2.74 acres)
Garage Area	794 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	2638594
Street Address	5491 ZOAR RD
City	MORROW
State	OH
Zip	45152-9574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MS-1546 2.7438 AC.
Legal Subdivision	MILITARY SURV #1546
Legal Block	151
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1054
Census Tract	32204

Owner

Source: Warren County records, as of February 20, 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 Record
Mailing Address	5491 ZOAR RD, MORROW, OH 45152-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK
May 9, 2022	Deed of Trust, Mortgage · Line of Credit 1ST NATIONAL BANK
Nov 13, 2020	Deed of Trust, Mortgage FIRST NAT'L BK
Apr 13, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019
Deed Sale	Oct 30, 2019
Prior Sale	Oct 30, 2019
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Sep 25, 2026
Property Address	5491 ZOAR RD, MORROW, OH 45152-9574
Document Number	0000027352
Instrument Date	Sep 18, 2026
Instrument	202627352
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5491 ZOAR RD, MORROW, OH 45152-9574

Mortgage

Document Number	0000027352,
Date	Sep 25, 2026
Instrument	202627352

Lender

Name	NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	5491 ZOAR RD, MORROW, OH 45152-9574
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5491 ZOAR RD, MORROW, OH 45152-9574

Mortgage

Document Number	0000015702
Date	May 9, 2022
Instrument	2022-015702

Lender

Name	1ST NATIONAL BANK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	5491 ZOAR RD, MORROW, OH 45152-9574
Document Number	0000046832
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5491 ZOAR RD MORROW OH 451529574, MORROW, OH 45152-9574

Mortgage

Document Number	0000046832
Date	Nov 13, 2020
Instrument	46832

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	7451 S MASON MONTGOMERY RD, MASON, OH 45040-6818

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Apr 13, 2020
Property Address	5491 ZOAR RD, MORROW, OH 45152-9574
Document Number	0000011751
Instrument Date	Apr 10, 2020
Instrument	11751
Transaction Type	Construction Loan
Record Updated	Jul 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5491 ZOAR RD MORROW OH 451529574, MORROW, OH 45152-9574

Mortgage

Document Number	0000011751
Date	Apr 13, 2020
Instrument	11751

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 12, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,162.00 (+7.06%) Additional exemption filed	$161,343 (+19.84%) Land $34,185 Building $127,158	$460,980 (+19.84%) Land $97,670 Building $363,310
2023	$6,690.00 (+1.32%) Homeowner's exemption	$134,635 (-) Land $21,924 Building $112,711
2022	$6,603.00 Homeowner's exemption	$134,635 Land $21,924 Building $112,711	$384,670 (-) Land $62,640 Building $322,030
2021			$384,670 Land $62,640 Building $322,030

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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	WARREN COUNTY serves 99,000 people · EPA ID OH8301512
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	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	2 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: altafiber Network Solutions, Bresco Broadband.

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