881 Elm Tree Dr, Morrow, OH 45152 Property Records

Warren County property record for 881 Elm Tree Dr, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,748 sqft · built 2005
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (Dec 2019)
Tax Bill	$5,580 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2019 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-225-003-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-225-003-0`
Alternative APNs	`1735225003` `2635012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,748 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	468 sqft
2nd Floor Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2635012
Street Address	881 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 LOT 238
Legal Subdivision	THORNTON GROVE 4-2
Legal Block	12
Legal Lot Number	238
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1002
Census Tract	32205

Owner

881 Elm Tree Dr is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	881 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
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Dec 6, 2019	Warranty Deed, Transfer · Line of Credit AMERICAN MORTGAGE SERVICE CO
Dec 30, 2016	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BK&TR
Dec 30, 2016	Deed of Trust, Mortgage · Conventional with PMI REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Sep 7, 2005 · Amount on File
Deed Document Number	201937565
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	881 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000023197
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	0000023197
Date	Jul 1, 2020
Instrument	23197

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2035

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Dec 6, 2019
Property Address	881 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000037565
Map Reference	MB 64 PG 16
Instrument Date	Dec 3, 2019
Instrument	2019-037565
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	PRODIGY TITLE AGENCY

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

Mortgage

Document Number	0000037566
Date	Dec 6, 2019
Instrument	2019-037566

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	881 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000000913
Instrument Date	Dec 30, 2016
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	0000000913
Date	Jan 6, 2017
Instrument	913

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 5, 2032

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	881 ELM TREE DR, MORROW, OH 45152-8631
Document Number	0000000912
Instrument Date	Dec 30, 2016
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 ELM TREE DR MORROW OH 451528631, MORROW, OH 45152-8631

Mortgage

Document Number	0000000912
Date	Jan 6, 2017
Instrument	912

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 881 Elm Tree Dr was $5,580.

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

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	$5,580.00	$126,000 Land $28,000 Building $98,000	$359,990 Land $80,000 Building $279,990
2023	$4,953.00 (+1.41%) Homeowner's exemption	$99,757 (-) Land $12,915 Building $86,842
2022	$4,884.00 Homeowner's exemption	$99,757 Land $12,915 Building $86,842	$285,020 (-) Land $36,900 Building $248,120
2021			$285,020 Land $36,900 Building $248,120

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 881 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 881 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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