5528 Sprucewood Dr, Cincinnati, OH 45239 Property Records

Hamilton County property record for 5528 Sprucewood Dr, Cincinnati, OH 45239

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,409 sqft · built 1956
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Aug 1995)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Jan 2022 Transfer Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550-0021-0116-00`

Property Details

APN / Parcel Number

Primary APN	`550-0021-0116-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,409 sqft Living Area
1st Floor Area	1,409 sqft
Basement Area	1,409 sqft

Exterior

Year Built	Built 1956
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	153 ft deep x 75 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5528 SPRUCEWOOD DR
City	CINCINNATI
State	OH
Zip	45239-7111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRUCE WOOD DR 75.00 X 153.50 IRR LT 1 LINGO SUB& EDGERS 4TH BLK C SEC 1 SUB PARS 116-121 CNS
Legal Subdivision	K C SEC 1 SUB
Legal Block	C
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	GREEN
Census Block Group	1
Census Block	1000
Census Tract	20811

Owner

5528 Sprucewood Dr is owned and occupied by an individual who bought it in August 1995.

Source: Hamilton County records, as of February 9, 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	5528 SPRUCEWOOD DR, CINCINNATI, OH 45239-7111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Transfer on Death Deed, Transfer
Aug 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 1995 · Amount on File
Deed Sale	Aug 2, 1995 · Amount on File
Deed Document Number	758789
Record Updated	Jun 8, 2026

January 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 27, 2022
Property Address	5528 SPRUCEWOOD DR, CINCINNATI, OH 45239-7111
Document Number	0000010194
Book / Page	14592 / 2013
Map Reference	MB 65 PG 15&16
Instrument Date	Jan 26, 2022
Instrument	2022-0010194
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5528 SPRUCEWOOD DR, CINCINNATI, OH 45239-7111
Document Number	0000079913
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	RELIABLE LAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 SPRUCEWOOD DR CINCINNATI OH 452397111, CINCINNATI, OH 45239-7111

Mortgage

Document Number	0000079913
Date	Sep 10, 2018
Book Page	013749/000941
Instrument	79913

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 9, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 5528 Sprucewood Dr was $4,194, up 20.8% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
County Subdivision	Green Township
Unified School District	Northwest Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,194.00 (+20.79%)	$75,492 (-) Land $14,186 Building $61,306
2024	$3,472.00 (-1.67%) Homeowner's exemption	$75,492 (-) Land $14,186 Building $61,306
2023	$3,531.00 (+38.2%) Homeowner's exemption	$75,492 (+57.54%) Land $14,186 Building $61,306	$215,690 Land $40,530 Building $175,160
2022	$2,555.00 Homeowner's exemption	$47,919 Land $12,709 Building $35,210
2020			$136,910 Land $36,310 Building $100,600

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 5528 Sprucewood Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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
Nearby Flood Claims	8 (1979–1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 1993 · other causes

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 5528 Sprucewood 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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