869 Elm Tree Dr, Morrow, OH 45152 Property Records

Warren County property record for 869 Elm Tree Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,028 sqft · built 2005
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Jan 2017)
Tax Bill	$5,173 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-225-005-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-225-005-0`
Alternative APNs	`1735225005` `2635014`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,028 sqft Living Area
2nd Floor Area	840 sqft
Basement Area	630 sqft
Finished Basement	630 sqft

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	132 sqft
Deck Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2635014
Old Parcel Number	1735225005
Street Address	869 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 #240
Legal Subdivision	THORNTON GROVE 4-2
Legal Block	225
Legal Lot Number	240
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1002
Census Tract	32205

Owner

Source: Warren County assessment roll, as of August 1, 2025

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	869 ELM TREE DR, MORROW, OH 45152-8631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
Jan 12, 2017	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 12, 2017 · Amount on Record
Deed Sale	Jan 12, 2017 · Amount on Record
Prior Sale	Oct 24, 2005 · Amount on Record
Deed Document Number	0004022907
Deed Book / Page	4022 / 907
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	869 ELM TREE DR, MORROW, OH 45152-8631
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	869 ELM TREE DR, MORROW, OH 45152-8631

Mortgage

Document Number	0000010887
Date	Jun 2, 2023
Instrument	2023-010887

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2038

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	869 ELM TREE DR, MORROW, OH 45152-8631
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	869 ELM TREE DR, MORROW, OH 45152-8631

Mortgage

Document Number	0000022829
Date	Jul 13, 2022
Instrument	2022-022829

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Apr 25, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	869 ELM TREE DR, MORROW, OH 45152-8631
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021032167
Date	Jul 14, 2021
Instrument	2021-032167

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jan 12, 2017
Property Address	869 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000001546
Instrument Date	Jan 6, 2017
Instrument	1546
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	FIRST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$684.00
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	869 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	1548
Date	Jan 12, 2017
Instrument	1548

Lender

Name	HOUSING FIN AGCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	1547,
Date	Jan 12, 2017
Instrument	1547

Lender

Name	RIVER HILLS BK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2047

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	$5,173.00 (+13.82%)	$116,792 (+27.62%) Land $28,000 Building $88,792	$333,690 (+27.62%) Land $80,000 Building $253,690
2023	$4,545.00 (+1.43%) Homeowner's exemption	$91,515 (-) Land $12,915 Building $78,600
2022	$4,481.00 Homeowner's exemption	$91,515 Land $12,915 Building $78,600	$261,470 (-) Land $36,900 Building $224,570
2021			$261,470 Land $36,900 Building $224,570

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	None beyond ember reach

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)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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