Allen County property record for 3531 Spruce Dr, Fort Wayne, IN 46809
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,812 sqft · built 1962 |
| Lot Size | 0.372 acres (16,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $465 (2022) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-12-28-102-001.000-074 |
| Primary APN | 02-12-28-102-001.000-074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 906 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 16,200 sqft (0.372 acres) |
| Lot Dimensions | 1,080 ft deep x 1,500 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3531 SPRUCE DR |
|---|---|
| City | FORT WAYNE |
| State | IN |
| Zip | 46809-2041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELMHURST GARDEN ADDITION W 150 LOT 2 |
| Legal Subdivision | ELMHURST GARDEN ADDITION |
| Legal Lot Number | 2 |
| Jurisdiction | ALLEN IN |
| Township / Civil Division | WAYNE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3700 |
Source: Allen County records · APN 02-12-28-102-001.000-074
Assessment roll updated May 27, 2026 · Last verified June 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 | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 04, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STAR FINANCIAL BANK |
| Jul 14, 2023 | Deed of Trust, Mortgage · Line of Credit STAR FINANCIAL BANK |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 03, 2006 |
| Transfer Doc | 0000000275 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC |
| Name | Verified Name |
|---|---|
| Address | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Document Number | 2026009018 |
|---|---|
| Date | Mar 04, 2026 |
| Instrument | 2026009018 |
| Name | STAR FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | FORT WAYNE, IN 46802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Apr 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 12.7% |
| Index | 1-Year CMT |
| Max Rate | 12.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Document Number | 2023030217 |
|---|---|
| Date | Jul 14, 2023 |
| Instrument | 2023030217 |
| Name | STAR FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | 11409 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 10, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 3531 SPRUCE DR, FORT WAYNE, IN 46809-2041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | METROPOLITAN TITLE OF IN LLC |
| Name | Verified Name |
|---|
| Document Number | 2020025493 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 2020025493 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2040 |
Source: Allen County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Allen County |
| County Subdivision | Wayne Township |
| Municipality | Fort Wayne City |
| Unified School District | Fort Wayne Community Schools (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 | $105,700 (+6.55%) Land $31,600 Building $74,100 | $105,700 (+6.55%) Land $31,600 Building $74,100 | |
| 2023 | $99,200 (+4.09%) Land $31,600 Building $67,600 | $99,200 (+4.09%) Land $31,600 Building $67,600 | |
| 2022 | $465.00 | $95,300 Land $31,600 Building $63,700 | $95,300 Land $31,600 Building $63,700 |
Source: FEMA National Flood Hazard Layer, Allen County (18003C), updated April 22, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180030037002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 42 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 49 (1978–2015) |
| Claims Outside the SFHA | 1 of 49 |
| Most Recent Claim | Jun 2015 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 63% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 195 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Lakeland Internet.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FORT WAYNE - 3 RIVERS FILTRATION PLANT serves 269,994 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2022 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures