2120 Spruce Dr, Lima, OH 45807 Property Records

Allen County property record for 2120 Spruce Dr, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,024 sqft · built 1996
Lot Size	0.373 acres (16,248 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Sep 2020)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	May 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-1704-09-005.000`

Property Details

APN / Parcel Number

Primary APN	`36-1704-09-005.000`
Alternative APN	`G2636170409005000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,024 sqft Living Area
Gross Area	4,777 sqft
1st Floor Area	2,024 sqft
Basement Area	2,024 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	16,248 sqft (0.373 acres)
Lot Dimensions	140 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	729 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	112 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	2120 SPRUCE DR
City	LIMA
State	OH
Zip	45807-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAUREL OAKS SUBDIVISION #19 LOT 1329 JOINT TEN FF 148.88
Legal Subdivision	LAUREL OAKS SUBDIVISION
Legal Lot Number	1329
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	3
Census Block	3020
Census Tract	10801

Owner

Source: Allen County records, as of May 21, 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 Record
Mailing Address	2120 SPRUCE DR, LIMA, OH 45807-2409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Sep 28, 2020	Grant Deed, Transfer · Conventional with PMI SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Feb 15, 2002 · Amount on Record
Deed Document Number	202011837
Deed Book / Page	2020 / 11837
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2120 SPRUCE DR, LIMA, OH 45807-2409
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5040003702
Date	May 4, 2023
Book Page	2023/3702
Instrument	202305040003702

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Apr 26, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 28, 2020
Property Address	2120 SPRUCE DR, LIMA, OH 45807-2409
Document Number	0000011837
Instrument Date	Sep 28, 2020
Instrument	11837
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
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	2120 SPRUCE DR LIMA OH 458072409, LIMA, OH 45807-2409

Mortgage

Document Number	11838
Date	Sep 28, 2020
Instrument	11838

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	American Township
Municipality	Elida Village
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,474.00 (-1.43%)	$103,250 (-) Land $9,800 Building $93,450	$295,000 (-) Land $28,000 Building $267,000
2024	$4,539.00 (+11.66%) Homeowner's exemption	$103,250 (+28.98%) Land $9,800 Building $93,450	$295,000 (+28.99%) Land $28,000 Building $267,000
2023	$4,065.00 (+1.27%) Homeowner's exemption	$80,050 (-) Land $7,600 Building $72,450
2022	$4,014.00 Homeowner's exemption	$80,050 Land $7,600 Building $72,450
2021			$228,700 Land $21,700 Building $207,000

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 June 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% 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	ELIDA VILLAGE serves 4,109 people · EPA ID OH0200503
Water Source	Purchased surface water from LIMA CITY
Last State Inspection	Sep 2025
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: MetaLINK Technologies, TSC.

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