5 Spruce St, Mount Vernon, OH 43050 Property Records

Knox County property record for 5 Spruce St, Mount Vernon, OH 43050

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,040 sqft · built 1956
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Aug 2017)
Tax Bill	$1,853 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`66-07826.000`

Property Details

APN / Parcel Number

Primary APN	`66-07826.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	72 ft deep x 92.5 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Street Address	5 SPRUCE ST
City	MOUNT VERNON
State	OH
Zip	43050-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 6 1 S WING ELMWOOD (92.5 X 72.5 ) .155A
Jurisdiction	KNOX OH
Township / Civil Division	MOUNT VERNON
Census Block Group	2
Census Block	2002
Census Tract	7600

Owner

5 Spruce St is owned and occupied by an individual who bought it in August 2017.

Source: Knox County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	5 SPRUCE ST, MOUNT VERNON, OH 43050-4529
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
Aug 14, 2023	Deed of Trust, Mortgage PENTAGON FCU
Aug 7, 2017	Warranty Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Dec 23, 2005 · Amount on File
Deed Document Number	20176227
Deed Book / Page	1629 / 622
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	5 SPRUCE ST, MOUNT VERNON, OH 43050-4529
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005387
Date	Aug 14, 2023
Book Page	1986/369
Instrument	202300005387

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 20, 2043

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Aug 7, 2017
Property Address	5 SPRUCE ST, MOUNT VERNON, OH 43050-4529
Document Number	0016290622
Book / Page	001629 / 000622
Instrument Date	Jul 28, 2017
Instrument	6227
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7047 TROY MI 480077047, TROY, MI 48007-7047

Mortgage

Document Number	16290624
Date	Aug 7, 2017
Book Page	001629/000624
Instrument	6228

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	STILWELL, KS 66085

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5 Spruce St was $1,853, down 2.2% from the year before.

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
Municipality	Mount Vernon City
Unified School District	Mount Vernon City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$140,360 Land $21,410 Building $118,950
2025	$1,853.00 (-2.16%)	$49,120 (-) Land $7,490 Building $41,630
2024	$1,894.00 (+1.77%)	$49,120 (-) Land $7,490 Building $41,630
2023	$1,861.00 (+20.77%)	$49,120 (+34.98%) Land $7,490 Building $41,630	$140,360 Land $21,410 Building $118,950
2022	$1,541.00	$36,390 Land $5,550 Building $30,840
2020			$103,970 Land $15,860 Building $88,110

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 5 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 7, 2009 · 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	1 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

Wildfire risk around 5 Spruce St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	MOUNT VERNON CITY PWS private · serves 16,990 people · EPA ID OH4200812
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Smart Way Communications.

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