7604 Twin Lakes Dr, Morrow, OH 45152 Property Records

Warren County property record for 7604 Twin Lakes Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 5,236 sqft · built 1998
Lot Size	2.8 acres (122,012 sqft)
Owner	2 Individual Names on File
Last Sale	$1,755 (Dec 2021)
Tax Bill	$9,921 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-16-199-005-0`

Property Details

APN / Parcel Number

Primary APN	`17-16-199-005-0`
Alternative APNs	`1716199005` `4818288`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	5,236 sqft Living Area
Gross Area	6,044 sqft
1st Floor Area	2,836 sqft
Basement Area	2,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick/Stone
Construction Type	Brick
Foundation Type	Concrete
Lot Area	122,012 sqft (2.8 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	344 sqft
Deck Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4818288
Street Address	7604 TWIN LAKES DR
City	MORROW
State	OH
Zip	45152-8395
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE PARK 1 LOT 23
Legal Subdivision	LAKESIDE PARK 1
Legal Block	288
Legal Lot Number	23
Jurisdiction	WARREN OH
Township / Civil Division	SALEM
Census Block Group	4
Census Block	4017
Census Tract	32300

Owner

7604 Twin Lakes Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Warren County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7604 TWIN LAKES DR, MORROW, OH 45152-8395
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
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Dec 8, 2021	Survivorship Deed, Transfer · Conventional Mortgage CINCINNATI FSLA
Jan 10, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on File
Deed Sale	Dec 8, 2021 · Amount on File
Prior Sale	Jan 10, 2018 · Amount on File
Deed Document Number	202154986
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Apr 27, 2026
Property Address	7604 TWIN LAKES DR, MORROW, OH 45152-8395
Document Number	0000011067
Instrument Date	Apr 21, 2026
Instrument	202611067
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7604 TWIN LAKES DR, MORROW, OH 45152-8395

Mortgage

Document Number	0000011067,
Date	Apr 27, 2026
Instrument	202611067

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

December 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	WARREN OH
Recording Date	Dec 8, 2021
Property Address	7604 TWIN LAKES DR, MORROW, OH 45152-8395
Document Number	0000054986
Map Reference	MB 33 PG 99&100
Instrument Date	Dec 3, 2021
Instrument	2021-054986
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	TECHNE TITLE AGENCY INC

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	7604 TWIN LAKES DR, MORROW, OH 45152-8395

Mortgage

Document Number	0000054987
Date	Dec 8, 2021
Instrument	2021-054987

Lender

Name	CINCINNATI FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN OH
Recording Date	Jan 10, 2018
Property Address	7604 TWIN LAKES DR, MORROW, OH 45152-8395
Document Number	0000000974
Instrument Date	Dec 27, 2017
Instrument	974
Transaction Type	Transfer
Record Updated	Jan 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,215.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7604 TWIN LAKES DR MORROW OH 451528395, MORROW, OH 45152-8395

Mortgage

Document Number	975
Date	Jan 10, 2018
Instrument	975

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VT 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 7604 Twin Lakes Dr was $9,921.

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,921.00	$219,390 Land $52,820 Building $166,570	$626,800 Land $150,900 Building $475,900
2023	$8,845.00 (+1.58%) Homeowner's exemption	$174,010 (-) Land $26,523 Building $147,487
2022	$8,707.00 Homeowner's exemption	$174,010 Land $26,523 Building $147,487	$497,170 (-) Land $75,780 Building $421,390
2021			$497,170 Land $75,780 Building $421,390

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

Flood

FEMA maps place 7604 Twin Lakes Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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
Nearby Flood Claims	2 (2009–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2017 · river or lake flooding

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 7604 Twin Lakes Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERN WATER COMPANY private · serves 39,508 people · EPA ID OH8300512
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	1 ppb (2025) 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bresco Broadband Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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