964 Spruce Glen, Morrow, OH 45152 Property Records

Warren County property record for 964 Spruce Glen, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,566 sqft · built 2008
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Jun 2018)
Tax Bill	$7,188 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-36-460-012-0`

Property Details

APN / Parcel Number

Primary APN	`17-36-460-012-0`
Alternative APNs	`1736460012` `2634985`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,566 sqft Living Area
2nd Floor Area	1,478 sqft
Basement Area	805 sqft
Finished Basement	805 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	138 sqft
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	2634985
Old Parcel Number	1736460012
Street Address	964 SPRUCE GLN
City	MORROW
State	OH
Zip	45152-7932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 4-1 #286
Legal Subdivision	THORNTON GROVE 4-1
Legal Block	460
Legal Lot Number	286
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1000
Census Tract	32205

Owner

Source: Warren County records, as of February 20, 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
Co-owner	Co-owner on Record
Mailing Address	964 SPRUCE GLN, MORROW, OH 45152-7932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2019	Deed of Trust, Mortgage · Conventional with PMI RUOFF MTG
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Prior Sale	Sep 22, 2008 · Amount on Record
Deed Document Number	0004744541
Deed Book / Page	4744 / 541
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	964 SPRUCE GLN, MORROW, OH 45152-7932
Document Number	0000038893
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	964 SPRUCE GLN MORROW OH 451527932, MORROW, OH 45152-7932

Mortgage

Document Number	0000038893
Date	Dec 17, 2019
Instrument	38893

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Dec 16, 2039

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Jun 11, 2018
Property Address	964 SPRUCE GLN, MORROW, OH 45152-7932
Document Number	0000016109
Map Reference	PB 64 PG 14
Instrument Date	May 31, 2018
Instrument	2018-016109
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	964 SPRUCE GLN, MORROW, OH 45152-7932

Mortgage

Document Number	0000016110
Date	Jun 11, 2018
Instrument	2018-016110

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 1, 2025

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	$7,188.00 (+9.84%)	$162,386 (+23.11%) Land $28,000 Building $134,386	$463,960 (+23.11%) Land $80,000 Building $383,960
2023	$6,544.00 (+1.32%) Homeowner's exemption	$131,908 (-) Land $12,915 Building $118,993
2022	$6,459.00 Homeowner's exemption	$131,908 Land $12,915 Building $118,993	$376,880 (-) Land $36,900 Building $339,980
2021			$376,880 Land $36,900 Building $339,980

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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