984 Spruce Glen, Morrow, OH 45152 Property Records

Warren County property record for 984 Spruce Glen, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,462 sqft · built 2008
Lot Size	0.294 acres (12,798 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,225 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-36-460-026-0`

Property Details

APN / Parcel Number

Primary APN	`17-36-460-026-0`
Alternative APNs	`1736460026` `2635620`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,462 sqft Living Area
Gross Area	3,886 sqft
1st Floor Area	714 sqft
2nd Floor Area	894 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,798 sqft (0.294 acres)
Garage Type	Attached
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Deck Area	372 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2635620
Street Address	984 SPRUCE GLN
City	MORROW
State	OH
Zip	45152-7932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 5-1 LOT 283
Legal Subdivision	THORNTON GROVE 5-1
Legal Block	620
Legal Lot Number	283
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 9, 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	984 SPRUCE GLN, MORROW, OH 45152-7932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 4, 2020	Intrafamily Transfer, Transfer · VA Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2020
Deed Sale	Feb 4, 2020
Prior Sale	Aug 13, 2013
Deed Document Number	20203775
Prior Transfer Date	Jul 26, 2013
Prior Transfer Doc	0058900525
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	984 SPRUCE GLN, MORROW, OH 45152-7932
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013998
Date	Jul 11, 2023
Instrument	2023-013998

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	984 SPRUCE GLN, MORROW, OH 45152-7932
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017648
Date	Apr 15, 2021
Instrument	2021-017648

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Mar 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	984 SPRUCE GLN, MORROW, OH 45152-7932
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021017648
Date	Apr 15, 2021
Instrument	2021-017648

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Mar 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WARREN OH
Recording Date	Feb 4, 2020
Property Address	984 SPRUCE GLN, MORROW, OH 45152-7932
Document Number	0000003775
Map Reference	MB 67 PG 64&65
Instrument Date	Jan 27, 2020
Instrument	2020-003775
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000003776
Date	Feb 4, 2020
Instrument	2020-003776

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

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	$6,225.00 (-0.06%)	$140,600 (+25.04%) Land $28,000 Building $112,600	$401,700 (+25.03%) Land $80,000 Building $321,700
2024	$6,229.00 (+11.61%)
2023	$5,581.00 (+1.36%) Homeowner's exemption	$112,448 (-) Land $12,915 Building $99,533
2022	$5,506.00 Homeowner's exemption	$112,448 Land $12,915 Building $99,533	$321,280 (-) Land $36,900 Building $284,380
2021			$321,280 Land $36,900 Building $284,380

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 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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