Miami County property record for 1300 Spruce St, Troy, OH 45373 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,434 sqft Living Area |
| Lot Size | 17,293 sqft (0.397 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $3,500 (1994) |
| Tax Bill | $3,324.00 (2025) |
| Primary APN | C06-081296 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,434 sqft Living Area |
| 1st Floor | 2,868 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick Exterior |
| Lot Area | 17,293 sqft (0.397 acres) |
| Depth X Width | 216 ft x 80 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Area | 864 sqft Garage |
| Deck Area | 266 sqft Deck |
| Porch Area | 274 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 1300 SPRUCE ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3829 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 6-5-32 LOT 96 HOME ACRES |
| Legal Range | 06 |
| Legal Township | 05 |
| Legal Section | 32 |
| Legal Subdivision | HOME ACRES |
| Legal Lot Number | 96 |
| Jurisdiction | MIAMI OH |
| Minor Civil Division | CONCORD |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 365302 |
Source: Miami County records · APN C06-081296
Assessment roll updated March 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 20, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 08, 2020 | Deed of Trust, Mortgage · Line of Credit WESTERN OHIO MORTGAGE CORP |
| Jan 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN OHIO MORTGAGE CORP |
| Nov 07, 2018 | Deed of Trust, Mortgage TRADERS BUILDERS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 1994 · Amount on Record |
| Deed Sale | Mar 15, 1994 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Document Number | 0000017852 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022OR-17852 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 07, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004443 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | 2020OR-04443 |
| Name | WESTERN OHIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SIDNEY, OH 45365 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000986 |
|---|---|
| Date | Jan 28, 2019 |
| Instrument | 2019OR-00986 |
| Name | WESTERN OHIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SIDNEY, OH 45365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1300 SPRUCE ST, TROY, OH 45373-3829 |
| Document Number | 0000014331 |
| Instrument Date | Nov 07, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1300 SPRUCE ST TROY OH 453733829, TROY, OH 45373-3829 |
| Document Number | 0000014331 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 14331 |
| Name | TRADERS BUILDERS |
|---|---|
| Address | 2255 KESSLER COWLESVILLE RD, TROY, OH 45373-9515 |
| Amount | Amount Recorded |
|---|
| Rate | 6% |
|---|
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Unified School District | Troy City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,324.00 (+26.24%) Homeowner's exemption | $96,680 (+42.74%) Land $7,250 Building $89,430 | $276,200 (+42.74%) Land $20,700 Building $255,500 |
| 2024 | $2,633.00 (+2.05%) Homeowner's exemption | $67,730 (-) Land $7,210 Building $60,520 | |
| 2023 | $2,580.00 (+16.95%) Homeowner's exemption | $67,730 (-) Land $7,210 Building $60,520 | $193,500 (-) Land $20,600 Building $172,900 |
| 2022 | $2,206.00 Homeowner's exemption | $67,730 Land $7,210 Building $60,520 | $193,500 Land $20,600 Building $172,900 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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