Miami County property record for 1191 Spruce St, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,872 sqft · built 2004 |
| Lot Size | 0.298 acres (12,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $137,000 (Sep 2012) |
| Tax Bill | $2,957 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C06-084276 |
| Primary APN | C06-084276 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Upper Floors Area | 936 sqft |
| Family Room | Family Room |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 12,981 sqft (0.298 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 1191 SPRUCE ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-5-33 LOT 183 HOME ACRES |
| Legal Range | 06 |
| Legal Township | 05 |
| Legal Section | 33 |
| Legal Subdivision | HOME ACRES |
| Legal Lot Number | 183 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 365302 |
1191 Spruce St is owned and occupied by two individuals who bought it in September 2012.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1191 SPRUCE ST, TROY, OH 45373-3887 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2012 · Amount on File |
| Deed Sale | Sep 19, 2012 · Amount on File |
| Prior Sale | May 8, 2007 · Amount on File |
| Deed Document Number | 20122012OR-12643 |
| Deed Book / Page | 302 / 604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1191 SPRUCE ST, TROY, OH 45373-3887 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002949 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022OR-02949 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2025 property tax bill for 1191 Spruce St was $2,957 with a homeowner's exemption, up 14.8% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,957.00 (+14.79%) Homeowner's exemption | $86,000 (+29.79%) Land $6,930 Building $79,070 | $245,700 Land $19,800 Building $225,900 |
| 2024 | $2,576.00 (+2.06%) Homeowner's exemption | $66,260 (-) Land $6,900 Building $59,360 | |
| 2023 | $2,524.00 (+16.96%) Homeowner's exemption | $66,260 (-) Land $6,900 Building $59,360 | $189,300 (-) Land $19,700 Building $169,600 |
| 2022 | $2,158.00 Homeowner's exemption | $66,260 Land $6,900 Building $59,360 | $189,300 Land $19,700 Building $169,600 |
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.
FEMA maps place 1191 Spruce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · 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 | 8 in force |
| Nearby Flood Claims | 5 (1999–2014) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | May 2014 · river or lake flooding |
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 risk around 1191 Spruce St is low, with less than 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 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Watch TV.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures