3780 Polo Trace Ct, Bellbrook, OH 45305 Property Records

Greene County property record for 3780 Polo Trace Ct, Bellbrook, OH 45305

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,046 sqft · built 1997
Lot Size	0.277 acres (12,070 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,000 (Feb 2023)
Tax Bill	$5,968 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`L35-0001-0008.0-0096.00`

Property Details

APN / Parcel Number

Primary APN	`L35-0001-0008.0-0096.00`
Alternative APN	`A02000200260001900`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,046 sqft Living Area
1st Floor Area	2,046 sqft
Basement Area	901 sqft
Finished Basement	901 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	12,070 sqft (0.277 acres)
Lot Width	77 ft Width

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3780 POLO TRACE CT
City	BELLBROOK
State	OH
Zip	45305-1888
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENMEADOW RANCH SEC FOUR LOT 92 0.2771AC POLO TRACE CT
Legal Subdivision	GREENMEADOW RANCH
Legal Lot Number	92
Jurisdiction	GREENE OH
Township / Civil Division	BELLBROOK
Census Block Group	2
Census Block	2009
Census Tract	220201

Owner

Source: Greene County records, as of September 1, 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	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Feb 6, 2023	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Mar 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU
Dec 13, 2018	Grant Deed, Transfer · Conventional Mortgage UNION SVGS
May 17, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2023 · Amount on Record
Deed Sale	Feb 6, 2023 · Amount on Record
Prior Sale	Dec 13, 2018 · Amount on Record
Deed Document Number	20231483
Prior Transfer Date	Mar 8, 2022
Prior Transfer Doc	0000006024
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Recording Date	Aug 17, 2026
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000013738
Instrument Date	Aug 10, 2026
Instrument	202613738
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Investor	Possibly a Property Investor

Mortgage

Document Number	0000013738,
Date	Aug 17, 2026
Instrument	202613738

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2056

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023856
Date	Sep 27, 2021
Instrument	2021023856

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 25, 2046

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GREENE OH
Recording Date	Feb 6, 2023
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000001483
Map Reference	CAB 30 PG 444B&445B
Instrument Date	Jan 24, 2023
Instrument	2023001483
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001484
Date	Feb 6, 2023
Instrument	2023001484

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GREENE OH
Recording Date	Mar 28, 2022
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000006024
Map Reference	CAB 30 PG 444B-445B
Instrument Date	Mar 8, 2022
Instrument	2022006024
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

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
Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888

Mortgage

Document Number	0000006025
Date	Mar 28, 2022
Instrument	2022006025

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000001470
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3780 POLO TRACE CT BELLBROOK OH 453051888, BELLBROOK, OH 45305-1888

Mortgage

Document Number	0000001470
Date	Jan 21, 2021
Instrument	1470

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 20, 2036

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GREENE OH
Recording Date	Dec 13, 2018
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000020465
Instrument Date	Nov 29, 2018
Instrument	20465
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
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	3780 POLO TRACE CT BELLBROOK OH 453051888, BELLBROOK, OH 45305-1888

Mortgage

Document Number	20466
Date	Dec 13, 2018
Instrument	20466

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	3780 POLO TRACE CT, BELLBROOK, OH 45305-1888
Document Number	0000008736
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3780 POLO TRACE CT BELLBROOK OH 453051888, BELLBROOK, OH 45305-1888

Mortgage

Document Number	0000008736
Date	Jun 4, 2018
Instrument	8736

Lender

Name	PNC BK
Type	Bank
Address	DAYTON, OH 45459

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Bellbrook City
County	Greene County
Unified School District	Bellbrook-Sugarcreek Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,968.00 (+3.22%)	$122,520 (-) Land $18,180 Building $104,340
2024	$5,782.00 (-18.1%)	$122,520 (-) Land $18,180 Building $104,340
2023	$7,060.00 (+5.34%)	$122,520 (+27.17%) Land $18,180 Building $104,340	$350,050 (+27.17%) Land $51,950 Building $298,100
2022	$6,702.00	$96,340 Land $15,150 Building $81,190
2020			$275,260 Land $43,290 Building $231,970

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	5 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BELLBROOK WATER WORKS private · serves 9,475 people · EPA ID OH2901112
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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