1040 Spruce Glen, Morrow, OH 45152 Property Records

Warren County property record for 1040 Spruce Glen, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,450 sqft · built 2008
Lot Size	0.294 acres (12,824 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,442 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-35-228-002-0`

Property Details

APN / Parcel Number

Primary APN	`17-35-228-002-0`
Alternative APNs	`1735228002` `2635613`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,450 sqft Living Area
2nd Floor Area	1,420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	12,824 sqft (0.294 acres)
Garage Type	Attached
Garage Area	106 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2635613
Old Parcel Number	1735228002
Street Address	1040 SPRUCE GLN
City	MORROW
State	OH
Zip	45152-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 5-1 #274
Legal Subdivision	THORNTON GROVE 5-1
Legal Block	228
Legal Lot Number	274
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1002
Census Tract	32205

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1040 SPRUCE GLN, MORROW, OH 45152-7942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Dec 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2016
Deed Sale	May 16, 2016
Prior Sale	May 16, 2016
Deed Document Number	0000013015
Last Transfer Date	Dec 23, 2019
Transfer Doc	0000039669
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	1040 SPRUCE GLN, MORROW, OH 45152-7942
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006211
Date	Feb 8, 2021
Instrument	2021-006211

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	1040 SPRUCE GLN, MORROW, OH 45152-7942
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SPRUCE GIN, MORROW, OH 45152

Mortgage

Document Number	2021011504
Date	Mar 12, 2021
Instrument	2021-011504

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 26, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN OH
Recording Date	Dec 23, 2019
Property Address	1040 SPRUCE GLN, MORROW, OH 45152-7942
Document Number	0000039669
Instrument Date	Dec 12, 2019
Instrument	39669
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SPRUCE GLN MORROW OH 451527942, MORROW, OH 45152-7942

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	1040 SPRUCE GLN, MORROW, OH 45152-7942
Document Number	0000034226
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1040 SPRUCE GLN MORROW OH 451527942, MORROW, OH 45152-7942

Mortgage

Document Number	0000034226
Date	Nov 12, 2019
Instrument	34226

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

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	$6,442.00 (+10.92%)	$145,502 (+24.32%) Land $28,000 Building $117,502	$415,720 (+24.32%) Land $80,000 Building $335,720
2023	$5,808.00 (+1.34%) Homeowner's exemption	$117,040 (-) Land $12,915 Building $104,125
2022	$5,731.00 Homeowner's exemption	$117,040 Land $12,915 Building $104,125	$334,400 (-) Land $36,900 Building $297,500
2021			$334,400 Land $36,900 Building $297,500

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

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

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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