209 Spruce St, Sandusky, OH 44870 Property Records

Erie County property record for 209 Spruce St, Sandusky, OH 44870

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,326 sqft · built 1960
Lot Size	0.215 acres (9,374 sqft)
Owner	2 Individual Names on File
Last Sale	$258,500 (Jun 2025)
Tax Bill	$2,943 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Mar 2021 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`32-01028-000`

Property Details

APN / Parcel Number

Primary APN	`32-01028-000`
Alternative APN	`002951-1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,326 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,326 sqft
Basement Area	1,274 sqft
Unfinished Basement	1,274 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	28 sqft
Deck Area	Deck Area
Patio Area	366 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	002951-1
Street Address	209 SPRUCE ST
City	SANDUSKY
State	OH
Zip	44870-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 ARDEN & EUNICE FERRY SUBDN
Legal Subdivision	FERRY SUBDN
Jurisdiction	ERIE OH
Township / Civil Division	PERKINS
Census Block Group	1
Census Block	1008
Census Tract	41400

Owner

209 Spruce St is owned and occupied by two individuals who bought it in June 2025.

Source: Erie County records, as of March 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 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
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jun 20, 2025	Warranty Deed, Transfer · Conventional Mortgage VACATIONLAND FCU
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on File
Deed Sale	Jun 20, 2025 · Amount on File
Prior Sale	May 1, 2017 · Amount on File
Deed Document Number	20254718
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420

Mortgage

Document Number	0000008441
Date	Nov 20, 2023
Instrument	202308441

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002584
Date	Mar 10, 2021
Instrument	202102584

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Jun 20, 2025
Property Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420
Document Number	0000004718
Map Reference	VOL 15 PG 37
Instrument Date	Jun 19, 2025
Instrument	202504718
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420

Mortgage

Document Number	0000004719
Date	Jun 20, 2025
Instrument	202504719

Lender

Name	VACATIONLAND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	May 1, 2017
Property Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420
Document Number	0000003768
Map Reference	MB 15 PG 37
Instrument Date	Apr 25, 2017
Instrument	201703768
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	SOUTHERN TITLE OF OHIO LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 SPRUCE ST, SANDUSKY, OH 44870-5420

Mortgage

Document Number	0000003769
Date	May 1, 2017
Instrument	201703769

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Mortgage

Document Number	0000003770
Date	May 1, 2017
Instrument	201703770

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	178 Months
Due	Mar 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 209 Spruce St was $2,943 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	$2,943.00	$64,704 (-) Land $10,104 Building $54,600
2024	$2,943.00 (-10.66%) Homeowner's exemption	$64,704 (+11.63%) Land $10,104 Building $54,600	$184,870 Land $28,870 Building $156,000
2023	$3,294.00 (+0.21%) Homeowner's exemption	$57,963 (-) Land $8,361 Building $49,602
2022	$3,287.00 Homeowner's exemption	$57,963 Land $8,361 Building $49,602
2021			$165,610 Land $23,890 Building $141,720

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 209 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 209 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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