935 Spruce Glen, Morrow, OH 45152 Property Records

Warren County property record for 935 Spruce Glen, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 4,516 sqft · built 2008
Lot Size	0.319 acres (13,878 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jul 2021)
Tax Bill	$7,004 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-36-458-034-0`

Property Details

APN / Parcel Number

Primary APN	`17-36-458-034-0`
Alternative APNs	`1736458034` `2634982`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	4,516 sqft Living Area
Gross Area	4,622 sqft
1st Floor Area	736 sqft
2nd Floor Area	1,294 sqft
Basement Area	1,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	13,878 sqft (0.319 acres)
Garage Type	Attached
Garage Area	106 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Deck Area	598 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2634982
Street Address	935 SPRUCE GLN
City	MORROW
State	OH
Zip	45152-7933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 4-1 LOT 88
Legal Subdivision	THORNTON GROVE 4-1
Legal Block	982
Legal Lot Number	88
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1006
Census Tract	32205

Owner

Source: Warren County records, as of April 28, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	935 SPRUCE GLN, MORROW, OH 45152-7933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	May 14, 2009 · Amount on Record
Deed Document Number	202133284
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	935 SPRUCE GLN, MORROW, OH 45152-7933
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009147
Date	May 10, 2023
Instrument	2023-009147

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 4, 2038

Interest

Rate Type	Adjustable Rate
Rate	3.49%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	6.49%
Index	Prime Rate
Max Rate	10.4%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jul 21, 2021
Property Address	935 SPRUCE GLN, MORROW, OH 45152-7933
Document Number	2021033284
Map Reference	MB 64 PG 14&15
Instrument Date	Jul 16, 2021
Instrument	2021-033284
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	935 SPRUCE GLN, MORROW, OH 45152-7933

Mortgage

Document Number	2021033285
Date	Jul 21, 2021
Instrument	2021-033285

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	935 SPRUCE GLN, MORROW, OH 45152-7933
Document Number	0000021372
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	935 SPRUCE GLN MORROW OH 451527933, MORROW, OH 45152-7933

Mortgage

Document Number	0000021372
Date	Aug 2, 2019
Instrument	21372

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	935 SPRUCE GLN, MORROW, OH 45152-7933
Document Number	0000005211
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	935 SPRUCE GLN MORROW OH 451527933, MORROW, OH 45152-7933

Mortgage

Document Number	0000005211
Date	Feb 15, 2017
Instrument	5211

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Hamilton Township
Unified School District	Little Miami Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,004.00 (+10.16%)	$158,230 (+23.46%) Land $28,000 Building $130,230	$452,090 (+23.46%) Land $80,000 Building $372,090
2023	$6,358.00 (+1.32%) Homeowner's exemption	$128,160 (-) Land $12,915 Building $115,245
2022	$6,275.00 Homeowner's exemption	$128,160 Land $12,915 Building $115,245	$366,170 (-) Land $36,900 Building $329,270
2021			$366,170 Land $36,900 Building $329,270

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 25, 2025 · 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

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	WARREN COUNTY serves 99,000 people · EPA ID OH8301512
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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