3725 Spruce Dr, Fort Wayne, IN 46809 Property Records

Allen County property record for 3725 Spruce Dr, Fort Wayne, IN 46809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,072 sqft · built 1950
Lot Size	4,800 acres (209,088,000 sqft)
Owner	Individual Name on File
Last Sale	$101,500 (May 2015)
Tax Bill	$1,481 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-12-28-101-003.000-074`

Property Details

APN / Parcel Number

Primary APN	`02-12-28-101-003.000-074`
Alternative APN	`9502390006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,072 sqft Living Area
1st Floor Area	1,536 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	209,088,000 sqft
Lot Dimensions	2,390 ft deep x 800 ft wide
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	55 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3725 SPRUCE DR
City	FORT WAYNE
State	IN
Zip	46809-2045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 80 OF W 340 OF N 264 NW 1/4 SEC 28
Jurisdiction	ALLEN IN
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2011
Census Tract	3700

Owner

3725 Spruce Dr is owned and occupied by an individual who bought it in May 2015.

Source: Allen County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3725 SPRUCE DR, FORT WAYNE, IN 46809-2045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE FARMERS & MERCHANTS STATE BANK
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2015 · Amount on File
Deed Sale	May 27, 2015 · Amount on File
Deed Document Number	201525808
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	3725 SPRUCE DR, FORT WAYNE, IN 46809-2045
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023036637
Date	Aug 23, 2023
Instrument	2023036637

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	3725 SPRUCE DR, FORT WAYNE, IN 46809-2045
Transaction Type	Mortgage
Record Updated	May 12, 2023
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020073933
Date	Nov 24, 2020
Instrument	2020073933

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3725 Spruce Dr was $1,481 with a homeowner's exemption, up 8% from the year before.

Source: Allen County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Allen County
County Subdivision	Wayne Township
Municipality	Fort Wayne City
Unified School District	Fort Wayne Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,481.00 (+8.02%)	$153,000 Land $27,600 Building $125,400	$153,000 Land $27,600 Building $125,400
2024	$1,371.00 (-1.86%)
2023	$1,397.00 (+11.85%)	$141,400 (+14.68%) Land $27,600 Building $113,800	$141,400 (+14.68%) Land $27,600 Building $113,800
2022	$1,249.00	$123,300 Land $27,600 Building $95,700	$123,300 Land $27,600 Building $95,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3725 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective April 22, 2026 · 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
Flood Insurance Cost	Premium on File 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	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 6 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 3725 Spruce Dr 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 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	FORT WAYNE - 3 RIVERS FILTRATION PLANT serves 269,994 people · EPA ID IN5202020
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

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, 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 195 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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