5220 Spruce Ln, Westerville, OH 43082 Property Records

Delaware County property record for 5220 Spruce Ln, Westerville, OH 43082

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,080 sqft · built 1971
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on Record
Last Sale	$283,333 (Jun 2021)
Tax Bill	$10,830 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2024 Sale + 2 more
APN	`317-331-03-046-000`

Property Details

APN / Parcel Number

Primary APN	`317-331-03-046-000`
Alternative APN	`170193.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	4,575 sqft
1st Floor Area	2,170 sqft
Upper Floors Area	910 sqft
Basement Area	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	585 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Patio Area	300 sqft
Lean-To	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	5220 SPRUCE LN
City	WESTERVILLE
State	OH
Zip	43082-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANDS 17 3 3 22
Jurisdiction	DELAWARE OH
Township / Civil Division	GENOA
Census Block Group	2
Census Block	2005
Census Tract	11762

Owner

Source: Delaware County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 26, 2024	Warranty Deed, Transfer
Jun 16, 2021	Executor's Deed, Transfer · Conventional Mortgage LCNB NATIONAL BANK
Jun 16, 2021	Affidavit of Death of Trustee, Transfer CROWN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2021 · Amount on Record
Deed Sale	Jun 16, 2021 · Amount on Record
Deed Document Number	202127500
Deed Book / Page	1870 / 772
Prior Transfer Date	Jun 11, 2021
Prior Transfer Doc	0000027498
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000530
Date	Jan 10, 2024
Book Page	2071/629
Instrument	202400000530

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Jun 26, 2024
Property Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000013024
Book / Page	2097 / 2674
Instrument Date	Mar 11, 2024
Instrument	202400013024
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005

June 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	DELAWARE OH
Recording Date	Jun 16, 2021
Property Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000027500
Book / Page	1870 / 772
Instrument Date	May 17, 2021
Instrument	202100027500
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005

Mortgage

Document Number	0000027501
Date	Jun 16, 2021
Instrument	202100027501

Lender

Name	LCNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2036
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

June 2021: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	DELAWARE OH
Recording Date	Jun 16, 2021
Property Address	5220 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000027498
Book / Page	1870 / 765
Map Reference	DD 330 PG 201
Instrument Date	May 17, 2021
Instrument	202100027498
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CROWN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 SPRUCE LANE, DELAWARE, OH 43015

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Delaware County
County Subdivision	Genoa Township
Unified School District	Westerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,830.00 (+5.78%)	$196,990 (-) Land $60,450 Building $136,540	$562,800 (-) Land $172,700 Building $390,100
2024	$10,238.00 (+2%) Homeowner's exemption	$196,990 (-) Land $60,450 Building $136,540
2023	$10,037.00 Homeowner's exemption	$196,990 Land $60,450 Building $136,540	$562,800 Land $172,700 Building $390,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2016 · rainfall accumulation

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

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	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	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 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
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Bresco Broadband.

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