203 Spruce St, Sandusky, OH 44870 Property Records

Erie County property record for 203 Spruce St, Sandusky, OH 44870

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,277 sqft · built 1967
Lot Size	0.215 acres (9,374 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jun 2017)
Tax Bill	$2,403 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`32-00241-000`

Property Details

APN / Parcel Number

Primary APN	`32-00241-000`
Alternative APN	`004372-6`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,277 sqft Living Area
1st Floor Area	1,277 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,374 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	569 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	210 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	004372-6
Street Address	203 SPRUCE ST
City	SANDUSKY
State	OH
Zip	44870-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 ARDEN & EUNICE FERRY SUBDN
Legal Subdivision	FERRY SUBDN
Legal Lot Number	40
Jurisdiction	ERIE OH
Township / Civil Division	PERKINS
Census Block Group	1
Census Block	1008
Census Tract	41400

Owner

203 Spruce St is owned and occupied by an individual who bought it in June 2017.

Source: Erie County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	203 SPRUCE ST, SANDUSKY, OH 44870-5420
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jun 7, 2017	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Prior Sale	Jun 30, 2005 · Amount on File
Deed Document Number	20175036
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Recording Date	Sep 10, 2026
Property Address	203 SPRUCE ST, SANDUSKY, OH 44870-5420
Document Number	0000007702
Instrument Date	Aug 31, 2026
Instrument	20267702
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SPRUCE ST, SANDUSKY, OH 44870-5420

Mortgage

Document Number	0000007702,
Date	Sep 10, 2026
Instrument	20267702

Lender

Name	CIVISTA BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Jun 7, 2017
Property Address	203 SPRUCE ST, SANDUSKY, OH 44870-5420
Document Number	0000005036
Map Reference	VOL 15 PG 37
Instrument Date	Jun 6, 2017
Instrument	201705036
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SPRUCE ST, SANDUSKY, OH 44870-5420

Mortgage

Document Number	0000005037
Date	Jun 7, 2017
Instrument	201705037

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 203 Spruce St was $2,403 with a homeowner's exemption.

Source: Erie County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Erie County
County Subdivision	Perkins Township
Unified School District	Perkins Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,403.00	$52,643 (-) Land $10,104 Building $42,539
2024	$2,403.00 (-9.18%) Homeowner's exemption	$52,643 (+13.54%) Land $10,104 Building $42,539	$150,410 Land $28,870 Building $121,540
2023	$2,646.00 (+0.3%) Homeowner's exemption	$46,367 (-) Land $8,361 Building $38,006
2022	$2,638.00 Homeowner's exemption	$46,367 Land $8,361 Building $38,006
2021			$132,480 Land $23,890 Building $108,590

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

FEMA maps place 203 Spruce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	48 (1979–2023)
Claims Outside the SFHA	12 of 48
Most Recent Claim	Aug 2023 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Straight Line Winds, And Flooding, Jun 2006 · 23 claims

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

Wildfire risk around 203 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 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	ERIE CO MARGARETTA DISTRICT serves 5,131 people · EPA ID OH2200203
Water Source	Purchased surface water from SANDUSKY CITY
Last State Inspection	Mar 2025
Lead	2 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	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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable	10,000 / 10,000
Omni Fiber Fiber	10,000 / 10,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

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