785 Elm Tree Dr, Morrow, OH 45152 Property Records

Warren County property record for 785 Elm Tree Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,112 sqft · built 2006
Lot Size	0.267 acres (11,661 sqft)
Owner	2 Owner Names on Record
Last Sale	$217,585 (Nov 2006)
Tax Bill	$4,970 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-35-203-028-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-203-028-0`
Alternative APNs	`1735203028` `2635654`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,112 sqft Living Area
2nd Floor Area	896 sqft

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Concrete
Lot Area	11,661 sqft (0.267 acres)
Garage Type	Attached
Garage Area	354 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	148 sqft
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2635654
Old Parcel Number	1735203028
Street Address	785 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 #192
Legal Subdivision	THORNTON GROVE 5-2
Legal Block	203
Legal Lot Number	192
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on Record
Mailing Address	785 ELM TREE DR, MORROW, OH 45152-8629
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2006 · Amount on Record
Deed Sale	Nov 2, 2006 · Amount on Record
Prior Sale	Feb 8, 2006 · Amount on Record
Deed Document Number	0004328565
Deed Book / Page	4328 / 565
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	785 ELM TREE DR, MORROW, OH 45152-8629
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021008729
Date	Feb 24, 2021
Instrument	2021-008729

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

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	$4,970.00 (+14.36%)	$112,182 (+28.21%) Land $28,000 Building $84,182	$320,520 (+28.21%) Land $80,000 Building $240,520
2023	$4,346.00 (+1.42%) Homeowner's exemption	$87,500 (-) Land $12,915 Building $74,585
2022	$4,285.00 Homeowner's exemption	$87,500 Land $12,915 Building $74,585	$250,000 (-) Land $36,900 Building $213,100
2021			$250,000 Land $36,900 Building $213,100

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	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 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