Warren County property record for 734 Elm Tree Dr, Morrow, OH 45152
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,868 sqft · built 2007 |
| Lot Size | 0.36 acres (15,725 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $262,500 (Feb 2020) |
| Tax Bill | $5,041 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-35-210-013-0 |
| Primary APN | 17-35-210-013-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| 1st Floor Area | 1,868 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Lot Area | 15,725 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 16 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2635634 |
|---|---|
| Old Parcel Number | 1735210013 |
| Street Address | 734 ELM TREE DR |
| City | MORROW |
| State | OH |
| Zip | 45152-8630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THORNTON GROVE 5-2 #171 |
| Legal Subdivision | THORNTON GROVE 5-2 |
| Legal Block | 210 |
| Legal Lot Number | 171 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | HAMILTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 32205 |
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 | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit DAY AIR CREDIT UNION INC |
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PACIFIC RESIDENTIAL MORTGAGE LLC |
| Feb 28, 2020 | Warranty Deed, Transfer · Conventional with PMI RUOFF MTG |
| Dec 31, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2020 · Amount on Record |
| Deed Sale | Feb 28, 2020 · Amount on Record |
| Prior Sale | Dec 31, 2019 |
| Deed Document Number | 0004613133 |
| Deed Book / Page | 4613 / 133 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Document Number | 0000016511 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 2022-016511 |
| Name | DAY AIR CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45429 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021008100 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 2021-008100 |
| Name | PACIFIC RESIDENTIAL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE OSWEGO, OR 97035 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Feb 28, 2020 |
| Property Address | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Document Number | 0000006701 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 6701 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $788.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 734 ELM TREE DR MORROW OH 451528630, MORROW, OH 45152-8630 |
| Document Number | 6702 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 6702 |
| Name | RUOFF MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Dec 31, 2019 |
| Property Address | 734 ELM TREE DR, MORROW, OH 45152-8630 |
| Document Number | 0000040308 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 40308 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 19970 CINCINNATI OH 452190970, CINCINNATI, OH 45219-0970 |
Source: Warren County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Hamilton Township |
| Unified School District | Little Miami Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,041.00 (+14.1%) | $113,792 (+27.91%) Land $28,000 Building $85,792 | $325,120 (+27.91%) Land $80,000 Building $245,120 |
| 2023 | $4,418.00 (+1.42%) Homeowner's exemption | $88,960 (-) Land $12,915 Building $76,045 | |
| 2022 | $4,356.00 Homeowner's exemption | $88,960 Land $12,915 Building $76,045 | $254,170 (-) Land $36,900 Building $217,270 |
| 2021 | $254,170 Land $36,900 Building $217,270 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 154 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 |
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