Warren County property record for 45 Willow Grove Dr, Springboro, OH 45066
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,949 sqft · built 2018 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (May 2023) |
| Tax Bill | $6,681 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage May 2023 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-03-351-005-0 |
| Primary APN | 04-03-351-005-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,949 sqft Living Area |
| Gross Area | 3,069 sqft |
| 1st Floor Area | 755 sqft |
| 2nd Floor Area | 1,097 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 120 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 552979 |
|---|---|
| Street Address | 45 WILLOW GROVE DR |
| City | SPRINGBORO |
| State | OH |
| Zip | 45066-8223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGS 8 LOT 206 |
| Legal Subdivision | SPRINGS 8 |
| Legal Block | 79 |
| Legal Lot Number | 206 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 30901 |
45 Willow Grove Dr is owned and occupied by two individuals who bought it in May 2023.
Source: Warren County records, as of June 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC |
| May 2, 2023 | Warranty Deed, Transfer · VA Mortgage UMORTGAGE LLC |
| Mar 25, 2022 | Warranty Deed, Transfer · VA Mortgage CENTRAL TRUST BANK |
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC |
| Oct 25, 2018 | Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC |
| Mar 20, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 9, 2018 | Loan Modification, Mortgage NOT AVAILABLE |
| Mar 9, 2018 | Loan Modification, Mortgage NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2023 · Amount on File |
| Deed Sale | May 2, 2023 · Amount on File |
| Prior Sale | Mar 25, 2022 · Amount on File |
| Deed Document Number | 20238456 |
| Prior Transfer Date | Mar 13, 2018 |
| Prior Transfer Doc | 0000007575 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Jun 18, 2026 |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000016867 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202616867 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Investor | Possibly a Property Investor |
| Document Number | 0000016867, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202616867 |
| Name | IMPERIAL LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | May 2, 2023 |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000008456 |
| Map Reference | MB 90 PG 60-62 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 2023-008456 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008457 |
|---|---|
| Date | May 2, 2023 |
| Instrument | 2023-008457 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Mar 25, 2022 |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000010302 |
| Map Reference | MB 90 PG 60-62 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2022-010302 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Title Company | HOME SERVICES TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000010303 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 2022-010303 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021006167 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 2021-006167 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Address | CINCINNATI, OH 45242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Oct 25, 2018 |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000030682 |
| Map Reference | MB 90 PG 60-62 |
| Instrument Date | Oct 17, 2018 |
| Instrument | 2018-030682 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 20, 2022 |
| Title Company | HOMESTEAD TITLE AGENCY LP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 100, 3940, ERLANGER, KY 41018-1025 |
| Name | Verified Name |
|---|---|
| Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000030683 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 2018-030683 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Mar 20, 2018 |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000007575 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 7575 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $551.64 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000008287 |
| Instrument Date | Mar 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 45 WILLOW GROVE DR, SPRINGBORO, OH 45066-8223 |
| Document Number | 0000008288 |
| Instrument Date | Mar 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2018 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025 |
The 2025 property tax bill for 45 Willow Grove Dr was $6,681.
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Clear Creek Township |
| Municipality | Springboro City |
| Unified School District | Springboro Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,681.00 | $171,530 Land $35,000 Building $136,530 | $490,090 Land $100,000 Building $390,090 |
| 2023 | $5,639.00 (+1.49%) Homeowner's exemption | $132,444 (-) Land $16,520 Building $115,924 | |
| 2022 | $5,556.00 Homeowner's exemption | $132,444 Land $16,520 Building $115,924 | $378,410 (-) Land $47,200 Building $331,210 |
| 2021 | $378,410 Land $47,200 Building $331,210 |
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.
FEMA maps place 45 Willow Grove Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 45 Willow Grove Dr is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 389 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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