Chester County property record for 465 Spruce Dr, Exton, PA 19341
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,158 sqft · built 1981 |
| Lot Size | 0.861 acres (37,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Feb 2020) |
| Tax Bill | $582 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Feb 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-4D-62 |
| Primary APN | 41-4D-62 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,158 sqft Living Area |
| Gross Area | 2,642 sqft |
| Basement Area | 484 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Lot Area | 37,499 sqft (0.861 acres) |
| Terrain | Above Road/Slope |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 465 SPRUCE DR |
|---|---|
| City | EXTON |
| State | PA |
| Zip | 19341-2025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 111 & DWG |
| Legal Subdivision | WHITFORD VILLAGE |
| Legal Lot Number | 111 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | WEST WHITELAND |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 302206 |
465 Spruce Dr is owned and occupied by two individuals who bought it in February 2020.
Source: Chester County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 465 SPRUCE DR, EXTON, PA 19341-2025 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 4, 2020 | Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Nov 11, 2019 | Deed of Trust, Mortgage · Line of Credit CITADEL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2020 · Amount on File |
| Deed Sale | Feb 4, 2020 · Amount on File |
| Prior Sale | Oct 5, 2004 · Amount on File |
| Deed Document Number | 202011715150 |
| Deed Book / Page | 10095 / 1195 |
| Prior Transfer Date | Jan 10, 1994 |
| Prior Transfer Doc | 0000015065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 465 SPRUCE DR, EXTON, PA 19341-2025 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102920117 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 10292/117 |
| Instrument | 11766706 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Feb 4, 2020 |
| Property Address | 465 SPRUCE DR, EXTON, PA 19341-2025 |
| Document Number | 0100951195 |
| Book / Page | 10095 / 1195 |
| Map Reference | PLAN 921 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 11715150 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | FIRST LAND TRANSFER LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 465 SPRUCE DR, EXTON, PA 19341-2025 |
| Document Number | 11715151 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 11715151 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 465 SPRUCE DR, EXTON, PA 19341-2025 |
| Document Number | 0100461180 |
| Instrument Date | Nov 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 465 SPRUCE DR EXTON PA 193412025, EXTON, PA 19341-2025 |
| Document Number | 0100461180 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 010046/001180 |
| Instrument | 11700978 |
| Name | CITADEL FCU |
|---|---|
| Type | Credit Union |
| Address | EXTON, PA 19341-1119 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 18, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 465 Spruce Dr was $582.
Source: Chester County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Chester County |
| County Subdivision | West Whiteland Township |
| Unified School District | West Chester Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $582.00 | $190,620 Land $45,650 Building $144,970 | $190,620 Land $45,650 Building $144,970 |
| 2024 | $5,525.00 | $190,620 Land $45,650 Building $144,970 | |
| 1998 | $190,620 Land $45,650 Building $144,970 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 465 Spruce Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 2, 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 |
| Nearby Flood Policies | 2 in force |
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 risk around 465 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 93% of the US · lower than 91% of Pennsylvania |
|---|---|
| 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA PA UWCHLAN private · serves 35,518 people · EPA ID PA1150035 |
|---|---|
| Water Source | Purchased surface water from AQUA PA MAIN SYSTEM |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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