Answered for Westfield, Hamilton County.
Every July, reliably. Linden and crabapple get hit hardest here. In Westfield, overwhelmingly young planted stock rather than inherited woodland, with ash removed from the picture by emerald ash borer. If the 18-foot mature-height limit in §92.02 stands as written, Westfield's tree lawns are effectively limited to small ornamentals — no future large shade canopy over the street by design — but that section could not be independently verified and should be confirmed before it is relied on. Ugly, rarely fatal to an established tree.
Overwhelmingly young planted stock rather than inherited woodland, with ash removed from the picture by emerald ash borer. If the 18-foot mature-height limit in §92.02 stands as written, Westfield's tree lawns are effectively limited to small ornamentals — no future large shade canopy over the street by design — but that section could not be independently verified and should be confirmed before it is relied on.
Leaves skeletonised to lace, worst at the top of the tree, through July.
Ugly, rarely fatal to an established tree. A mature linden can lose most of its leaves in July and be fine the following spring.
Treatment is a July problem, and hanging beetle traps near the tree makes it worse — they attract more beetles than they catch.
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Distance measured from Westfield.