1978 Highlander Dr, Xenia, OH 45385 Property Records

Greene County property record for 1978 Highlander Dr, Xenia, OH 45385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,270 sqft · built 1995
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Apr 2024)
Tax Bill	$4,284 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M40-0002-0027.0-0015.00`

Property Details

APN / Parcel Number

Primary APN	`M40-0002-0027.0-0015.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,270 sqft Living Area
1st Floor Area	1,061 sqft
Basement Area	1,017 sqft
Unfinished Basement	1,017 sqft
Family Room	Family Room

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	21,998 sqft (0.505 acres)
Lot Width	215 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1978 HIGHLANDER DR
City	XENIA
State	OH
Zip	45385-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMER BROOKE SEC ONE LOT 10 0.505AC HIGHLANDER DR
Legal Subdivision	SUMMER BROOKE
Legal Lot Number	10
Jurisdiction	GREENE OH
Township / Civil Division	XENIA
Census Block Group	4
Census Block	4002
Census Tract	240500

Owner

Source: Greene County records, as of July 21, 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	1978 HIGHLANDER DR, XENIA, OH 45385-1453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jan 10, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Apr 28, 2008 · Amount on Record
Deed Document Number	20244687
Prior Transfer Date	Dec 27, 2023
Prior Transfer Doc	0000000344
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE OH
Recording Date	Apr 15, 2024
Property Address	1978 HIGHLANDER DR, XENIA, OH 45385-1453
Document Number	0000004687
Map Reference	CAB 30 PGS 141A THRO
Instrument Date	Mar 28, 2024
Instrument	2024004687
Transaction Type	Transfer
Record Updated	May 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	1978 HIGHLANDER DR, XENIA, OH 45385-1453

Mortgage

Document Number	0000004688
Date	Apr 15, 2024
Instrument	2024004688

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

Mortgage

Document Number	0000004688
Date	Apr 15, 2024
Instrument	2024004688

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	8534 E KEMPER RD, CINCINNATI, OH 45249

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GREENE OH
Recording Date	Jan 10, 2024
Property Address	1978 HIGHLANDER DR, XENIA, OH 45385-1453
Document Number	0000000344
Map Reference	CAB V PGS 119
Instrument Date	Dec 27, 2023
Instrument	2024000344
Transaction Type	Transfer
Record Updated	Feb 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1978 HIGHLANDER DR, XENIA, OH 45385-1453

Tax Assessment & Valuation

Source: Greene County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Greene County
Municipality	Xenia City
Unified School District	Xenia Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,284.00 (-4.5%)	$104,850 (-) Land $22,560 Building $82,290
2024	$4,486.00 (-1.82%)	$104,850 (-) Land $22,560 Building $82,290
2023	$4,569.00 (+18.77%)	$104,850 (+38.56%) Land $22,560 Building $82,290	$299,560 (+38.57%) Land $64,450 Building $235,110
2022	$3,847.00	$75,670 Land $14,100 Building $61,570
2020			$216,180 Land $40,280 Building $175,900

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 March 28, 2023 · 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 99.1% of the US · lower than 96% 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	XENIA CITY PWS serves 29,000 people · EPA ID OH2902812
Water Source	Groundwater
Last State Inspection	Nov 2023
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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