731 Elm Tree Dr, Morrow, OH 45152 Property Records

Warren County property record for 731 Elm Tree Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,166 sqft · built 2015
Lot Size	0.261 acres (11,387 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,330 (Oct 2015)
Tax Bill	$5,926 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-203-019-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-203-019-0`
Alternative APNs	`1735203019` `2635645`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	2,166 sqft Living Area
2nd Floor Area	536 sqft
Basement Area	836 sqft
Finished Basement	836 sqft

Exterior

Year Built	Built 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	11,387 sqft (0.261 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2635645
Old Parcel Number	1735203019
Street Address	731 ELM TREE DR
City	MORROW
State	OH
Zip	45152-8629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 5-2 #183
Legal Subdivision	THORNTON GROVE 5-2
Legal Block	203
Legal Lot Number	183
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1002
Census Tract	32205

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	731 ELM TREE DR, MORROW, OH 45152-8629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 15, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 13, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2015 · Amount on Record
Deed Sale	Oct 9, 2015 · Amount on Record
Prior Sale	Jun 8, 2015
Deed Document Number	0000030312
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	731 ELM TREE DR, MORROW, OH 45152-8629
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 ELM TREE DR, MORROW, OH 45152-8629

Mortgage

Document Number	0000001052
Date	Jan 18, 2023
Instrument	2023-001052

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	731 ELM TREE DR, MORROW, OH 45152-8629
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 ELM TREE DR, MORROW, OH 45152-8629

Mortgage

Document Number	0000056075
Date	Dec 15, 2021
Instrument	2021-056075

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	731 ELM TREE DR, MORROW, OH 45152-8629
Document Number	0000002806
Instrument Date	Jan 13, 2021
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 ELM TREE DR MORROW OH 451528629, MORROW, OH 45152-8629

Mortgage

Document Number	0000002806
Date	Jan 20, 2021
Instrument	2806

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

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	$5,926.00 (+12.6%)	$130,491 (+26.22%) Land $28,000 Building $102,491	$372,830 (+26.22%) Land $80,000 Building $292,830
2023	$5,263.00 (+1.39%)	$103,387 (-) Land $12,915 Building $90,472
2022	$5,191.00	$103,387 Land $12,915 Building $90,472	$295,390 (-) Land $36,900 Building $258,490
2021			$295,390 Land $36,900 Building $258,490

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
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	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	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 293 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

May also be available: Verizon.

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