851 Elm Tree Dr, Morrow, OH 45152 Property Records

Warren County property record for 851 Elm Tree Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,026 sqft · built 2005
Lot Size	0.264 acres (11,543 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Jul 2023)
Tax Bill	$5,747 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-225-008-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-225-008-0`
Alternative APNs	`1735225008` `2635017`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,026 sqft Living Area
2nd Floor Area	792 sqft
Basement Area	487 sqft
Finished Basement	487 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	11,543 sqft (0.264 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	2 Parking Spaces
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2635017
Old Parcel Number	1735225008
Street Address	851 ELM TREE DR
City	MORROW
State	OH
Zip	45152-8631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 4-2 #243
Legal Subdivision	THORNTON GROVE 4-2
Legal Block	225
Legal Lot Number	243
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1002
Census Tract	32205

Owner

851 Elm Tree Dr is owned and occupied by an individual who bought it in July 2023.

Source: Warren County records, as of February 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	851 ELM TREE DR, MORROW, OH 45152-8631
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
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage LIBERTY CAPITAL SERVICES LLC
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Aug 28, 2019	Grant Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Prior Sale	Aug 28, 2019 · Amount on File
Deed Document Number	0000013709
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	851 ELM TREE DR, MORROW, OH 45152-8631
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 ELM TREE DR, MORROW, OH 45152-8631

Mortgage

Document Number	0000027037
Date	Oct 27, 2025
Instrument	2025-027037

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jul 7, 2023
Property Address	851 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000013709
Map Reference	MB 64 PG 16
Instrument Date	Jun 21, 2023
Instrument	2023-013709
Transaction Type	Transfer
Record Updated	Jul 24, 2023

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	Joint Tenants with Right of Survivorship
Address	851 ELM TREE DR, MORROW, OH 45152-8631

Mortgage

Document Number	0000013710
Date	Jul 7, 2023
Instrument	2023-013710

Lender

Name	LIBERTY CAPITAL SERVICES LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	851 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000026083
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	851 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	0000026083
Date	Jul 20, 2020
Instrument	26083

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2035

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN OH
Recording Date	Aug 28, 2019
Property Address	851 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000024485
Instrument Date	Aug 8, 2019
Instrument	24485
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	851 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	24486
Date	Aug 28, 2019
Instrument	24486

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 851 Elm Tree Dr was $5,747.

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	$5,747.00	$129,784 Land $28,000 Building $101,784	$370,810 Land $80,000 Building $290,810
2023	$5,112.00 (+13.88%) Homeowner's exemption	$102,981 (+12.33%) Land $12,915 Building $90,066
2022	$4,489.00 Homeowner's exemption	$91,679 Land $12,915 Building $78,764	$294,230 (+12.33%) Land $36,900 Building $257,330
2021			$261,940 Land $36,900 Building $225,040

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

FEMA maps place 851 Elm Tree Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 851 Elm Tree 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	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 215 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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