5460 Spruce Ln, Westerville, OH 43082 Property Records

Delaware County property record for 5460 Spruce Ln, Westerville, OH 43082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,354 sqft · built 1978
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Mar 2024)
Tax Bill	$8,263 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2024 Sale & Mortgage + 2 more
APN	`317-331-03-051-000`

Property Details

APN / Parcel Number

Primary APN	`317-331-03-051-000`
Alternative APN	`170832.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,354 sqft Living Area
Gross Area	3,998 sqft
1st Floor Area	1,270 sqft
Upper Floors Area	1,084 sqft
Basement Area	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	38,333 sqft (0.88 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	160 sqft
Deck Area	360 sqft
Patio Area	24 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	5460 SPRUCE LN
City	WESTERVILLE
State	OH
Zip	43082-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1107
Legal Subdivision	BLUE SPRUCE
Legal Lot Number	1107
Jurisdiction	DELAWARE OH
Township / Civil Division	GENOA
Census Block Group	2
Census Block	2005
Census Tract	11762

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1190 WINTERSON RD, 300, LINTHICUM, MD 21090-2247
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING
Mar 15, 2024	Warranty Deed, Transfer · Conventional Mortgage NFM INC
Oct 8, 2020	Survivorship Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	20245011
Deed Book / Page	2080 / 2298
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	5460 SPRUCE LN, WESTERVILLE, OH 43082-9005
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	UNKNOWN, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5460 SPRUCE LN, WESTERVILLE, OH 43082-9005

Mortgage

Document Number	0000002364
Date	Jan 28, 2026
Instrument	202600002364

Lender

Name	NFM LENDING
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Mar 15, 2024
Property Address	5460 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000005011
Book / Page	2080 / 2298
Map Reference	MB 8 PG 39
Instrument Date	Jan 29, 2024
Instrument	202400005011
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1190 WINTERSON RD STE 300, 300, LINTHICUM HEIGHTS, MD 21090-2247

Mortgage

Document Number	0000005012
Date	Mar 15, 2024
Instrument	202400005012

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

October 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DELAWARE OH
Recording Date	Oct 8, 2020
Property Address	5460 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000039859
Book / Page	1778 / 2873
Map Reference	MB 8 O PG 39
Instrument Date	Oct 2, 2020
Instrument	202000039859
Transaction Type	Transfer
Record Updated	Apr 14, 2022

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	480 OLDE WORTHINGTON RD, WESTERVILLE, OH 43082-8954

Mortgage

Document Number	0000039860
Date	Oct 8, 2020
Instrument	202000039860

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	5460 SPRUCE LN, WESTERVILLE, OH 43082-9005
Document Number	0000001006
Book / Page	001550 / 000478
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5460 SPRUCE LN WESTERVILLE OH 430829005, WESTERVILLE, OH 43082-9005

Mortgage

Document Number	0000001006
Date	Jan 10, 2018
Book Page	001550/000478
Instrument	1006

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2048

Interest

Rate Type	Adjustable Rate

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	$8,263.00 (+8.51%)	$150,960 (+2.55%) Land $31,010 Building $119,950	$431,300 (+2.54%) Land $88,600 Building $342,700
2024	$7,615.00 (+2.01%) Homeowner's exemption	$147,210 (-) Land $31,010 Building $116,200
2023	$7,465.00 Homeowner's exemption	$147,210 Land $31,010 Building $116,200	$420,600 Land $88,600 Building $332,000

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

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 94% of the US · lower than 74% of Ohio
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	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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