1216 Spruce St, Troy, OH 45373 Property Records

Miami County property record for 1216 Spruce St, Troy, OH 45373 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1948
Lot Size	0.397 acres (17,293 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Aug 2021)
Tax Bill	$1,392 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C06-081299`

Property Details

APN / Parcel Number

Primary APN	`C06-081299`
Alternative APNs	`050632.1-05-005-00` `C06CC032A13300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	1,872 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	No Foundation
Lot Area	17,293 sqft (0.397 acres)
Lot Dimensions	216 ft deep x 80 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	1216 SPRUCE ST
City	TROY
State	OH
Zip	45373-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-32 LOT 99 HOME ACRES
Legal Range	06
Legal Township	05
Legal Section	32
Legal Subdivision	HOME ACRES
Legal Lot Number	99
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1035
Census Tract	365302

Owner

Source: Miami County records · APN C06-081299

Assessment roll updated March 6, 2026 · Last verified April 2026

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	1216 SPRUCE ST, TROY, OH 45373-3827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Survivorship Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 26, 2020	Grant Deed, Transfer HTM AREA CU INC
Sep 09, 2019	Grant Deed, Transfer ATTORNEY ONLY
Nov 26, 2019	Grant Deed, Transfer · Conventional with PMI HTM AREA CU INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	20212021OR-14893
Record Updated	Jun 08, 2026

August 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 25, 2021
Property Address	1216 SPRUCE ST, TROY, OH 45373-3827
Document Number	0000014893
Map Reference	MB 4 PG 24
Instrument Date	Aug 23, 2021
Instrument	2021OR-14893
Transaction Type	Transfer
Record Updated	Sep 09, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1198 HILLCREST DR, TROY, OH 45373-4416

Mortgage

Document Number	0000014894
Date	Aug 25, 2021
Instrument	2021OR-14894

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 26, 2020
Property Address	1216 SPRUCE ST, TROY, OH 45373-3827
Document Number	0000008499
Instrument Date	Jun 22, 2020
Instrument	8499
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$34.00
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	405 PEBBLE CT ENGLEWOOD OH 453222263, ENGLEWOOD, OH 45322-2263

Mortgage

Document Number	8500
Date	Jun 26, 2020
Instrument	8500

Lender

Name	HTM AREA CU INC

Agreement

Amount	Amount Recorded

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 09, 2019
Property Address	1216 SPRUCE ST, TROY, OH 45373-3827
Document Number	0000010429
Instrument Date	Sep 06, 2019
Instrument	10429
Transaction Type	Transfer
Record Updated	Oct 03, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$134.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4020 US ROUTE 36 FLETCHER OH 453269748, FLETCHER, OH 45326-9748

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 26, 2019
Property Address	1216 SPRUCE ST, TROY, OH 45373-3827
Document Number	0000014220
Instrument Date	Jan 25, 2019
Instrument	14220
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 US ROUTE 36 FLETCHER OH 453269748, FLETCHER, OH 45326-9748

Mortgage

Document Number	14221
Date	Nov 26, 2019
Instrument	14221

Lender

Name	HTM AREA CU INC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,392.00 (+22.64%)	$38,190 (+33.72%) Land $7,250 Building $30,940	$109,100 (+33.7%) Land $20,700 Building $88,400
2024	$1,135.00 (+2.07%)	$28,560 (-) Land $7,210 Building $21,350
2023	$1,112.00 (+16.32%)	$28,560 (-) Land $7,210 Building $21,350	$81,600 (-) Land $20,600 Building $61,000
2022	$956.00	$28,560 Land $7,210 Building $21,350	$81,600 Land $20,600 Building $61,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093653021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 5% of the US · above 22% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 128 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Benton Ridge Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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