8485 Whitegate Dr, Morrow, OH 45152 Property Records

Warren County property record for 8485 Whitegate Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2023
Lot Size	4.88 acres (212,834 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,181 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-15-300-007-1`

Property Details

APN / Parcel Number

Primary APN	`17-15-300-007-1`
Alternative APNs	`1715300007` `4810571` `2618621`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	212,834 sqft (4.88 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	4810571
Street Address	8485 WHITEGATE DR
City	MORROW
State	OH
Zip	45152-8542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITEGATE
Legal Subdivision	WHITEGATE
Legal Block	571
Jurisdiction	WARREN OH
Township / Civil Division	SALEM
Census Block Group	4
Census Block	4023
Census Tract	32300

Owner

Source: Warren County assessment roll, as of February 9, 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 File
Mailing Address	8485 WHITEGATE DR, MORROW, OH 45152-8542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK
Mar 30, 2023	Deed of Trust, Mortgage · Construction Mortgage PARK NATIONAL BANK
Apr 9, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PARK NAT'L BK/SW OH&NTHRN KY
Sep 28, 2018	Warranty Deed, Transfer · Conventional Mortgage PARK NAT'L BK/SW OH&NTHRN KY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 21, 2023
Transfer Doc	0000005922
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	8485 WHITEGATE DR, MORROW, OH 45152-8542
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043812
Date	Sep 27, 2021
Instrument	2021-043812

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

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

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	8485 WHITEGATE DR, MORROW, OH 45152-8542
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8485 WHITEGATE DR, MORROW, OH 45152-8542

Mortgage

Document Number	0000005923
Date	Mar 30, 2023
Instrument	2023-005923

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

April 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WARREN OH
Recording Date	Apr 9, 2019
Property Address	8485 WHITEGATE DR, MORROW, OH 45152-8542
Instrument Date	Apr 1, 2019
Instrument	8578
Transaction Type	Construction Loan
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8485 WHITEGATE DR MORROW OH 45152, MORROW, OH 45152

Mortgage

Document Number	0000008578
Date	Apr 9, 2019
Instrument	8578

Lender

Name	PARK NAT'L BK/SW OH&NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Sep 28, 2018
Property Address	8485 WHITEGATE DR, MORROW, OH 45152-8542
Document Number	0000027812
Instrument Date	Sep 25, 2018
Instrument	27812
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	PRODIGY TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$354.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8485 WHITEGATE DR MORROW OH 45152, MORROW, OH 45152

Mortgage

Document Number	27813
Date	Sep 28, 2018
Instrument	27813

Lender

Name	PARK NAT'L BK/SW OH&NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 27, 2033

Tax Assessment & Valuation

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	$5,181.00 (+241.75%)	$114,500 (+19,143.7%) Land $50,380 Building $64,120	$327,120 (+19,142.35%) Land $143,930 Building $183,190
2023	$1,516.00 (+1.07%)	$595 (-97.97%) Land $595
2022	$1,500.00	$29,288 Land $25,242 Building $4,046	$1,700 (-97.97%) Land $1,700
2021			$83,680 Land $72,120 Building $11,560

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
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

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	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 9 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

Cell Coverage

5G and 4G LTE (outdoors only)

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