1513 Spruce, Amelia, OH 45102 Property Records

Clermont County property record for 1513 Spruce, Amelia, OH 45102

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,994 sqft · built 1987
Lot Size	0.319 acres (13,896 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2024)
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-20-23A-172`

Property Details

APN / Parcel Number

Primary APN	`03-20-23A-172`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,994 sqft Living Area
1st Floor Area	817 sqft
Basement Area	104 sqft
Unfinished Basement	104 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	13,896 sqft (0.319 acres)
View / Lot	Cul-de-sac
Garage Area	441 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	54 sqft
Patio Area	11 sqft
Shed	1 Shed
Shed Area	88 sqft
Canopy	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1513 SPRUCE
City	AMELIA
State	OH
Zip	45102-1492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SYCAMORE CREEK SECTION D; LOT 156
Legal Subdivision	SYCAMORE CREEK
Legal Lot Number	156
Jurisdiction	CLERMONT OH
Township / Civil Division	BATAVIA
Census Block Group	2
Census Block	2014
Census Tract	41104

Owner

Source: Clermont County records, as of May 1, 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 Record
Mailing Address	1513 SPRUCE, AMELIA, OH 45102-1492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2024 · Amount on Record
Deed Sale	May 16, 2024 · Amount on Record
Prior Sale	Mar 10, 2003 · Amount on Record
Deed Document Number	20248727
Deed Book / Page	2967 / 3633
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Recording Date	Apr 21, 2026
Property Address	1513 SPRUCE, AMELIA, OH 45102-1492
Document Number	0000008559
Book / Page	3020 / 5282
Instrument Date	Apr 13, 2026
Instrument	20268559
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1513 SPRUCE, AMELIA, OH 45102-1492

Mortgage

Document Number	0000008559,
Date	Apr 21, 2026
Book Page	3020/5282
Instrument	20268559

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Batavia Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,203.00 (-44.99%)	$90,300 (-) Land $13,580 Building $76,720
2024			$258,000 (-) Land $38,800 Building $219,200
2023	$7,640.00 (+111.75%) Homeowner's exemption	$90,300 (+32.37%) Land $13,580 Building $76,720	$258,000 (+32.38%) Land $38,800 Building $219,200
2022	$3,608.00 Homeowner's exemption	$68,220 Land $10,150 Building $58,070
2020			$194,900 Land $29,000 Building $165,900

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · 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	2 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	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 235 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20