Miami County property record for 644 Willow Point Ct, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,491 sqft · built 2015 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Trust Name on File |
| Last Sale | $215,900 (Jul 2019) |
| Tax Bill | $2,705 (2025) |
| Deeds & Mortgages | Jun 2019 Line of Credit Sep 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-104856 |
| Primary APN | D08-104856 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,491 sqft Living Area |
| 1st Floor Area | 2,982 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 6,186 sqft (0.142 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Patio Area | 60 sqft |
| Canopy | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 644 WILLOW POINT CT |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-8622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 9563 WILLOW POINT SUB |
| Legal Subdivision | WILLOW POINT SUB |
| Legal Lot Number | 9563 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 365001 |
644 Willow Point Ct is owner-occupied and held in a trust since September 2023.
Source: Miami County records, as of October 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 644 WILLOW POINT CT, TROY, OH 45373-8622 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 24, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 3, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jul 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage FREMONT FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on File |
| Deed Sale | Jul 3, 2019 · Amount on File |
| Prior Sale | Apr 17, 2006 · Amount on File |
| Deed Document Number | 20192019OR-07251 |
| Last Transfer Date | Sep 13, 2023 |
| Transfer Doc | 0000003340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 644 WILLOW POINT CT, TROY, OH 45373-8622 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006791 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 2019OR-06791 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | TROY, OH 45373 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Sep 3, 2020 |
| Property Address | 644 WILLOW POINT CT, TROY, OH 45373-8622 |
| Document Number | 0000012525 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 12525 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 644 WILLOW POINT CT TROY OH 453738622, TROY, OH 45373-8622 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 3, 2019 |
| Property Address | 644 WILLOW POINT CT, TROY, OH 45373-8622 |
| Document Number | 0000007251 |
| Map Reference | VOL 20 PG 57&57A |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019OR-07251 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | FIRST TITLE |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 WILLOW POINT CT, TROY, OH 45373-8622 |
| Document Number | 0000007252 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 2019OR-07252 |
| Name | FREMONT FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2034 |
The 2025 property tax bill for 644 Willow Point Ct was $2,705 with a homeowner's exemption, up 1.6% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,705.00 (+1.58%) Homeowner's exemption | $102,660 (+27.69%) Land $16,590 Building $86,070 | $293,300 Land $47,400 Building $245,900 |
| 2024 | $2,663.00 (+1.33%) Homeowner's exemption | $80,400 (-) Land $17,290 Building $63,110 | |
| 2023 | $2,628.00 (+18.38%) Homeowner's exemption | $80,400 (+1.23%) Land $17,290 Building $63,110 | $229,700 (+1.23%) Land $49,400 Building $180,300 |
| 2022 | $2,220.00 Homeowner's exemption | $79,420 Land $17,290 Building $62,130 | $226,900 Land $49,400 Building $177,500 |
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 644 Willow Point Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2004–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2008 · river or lake flooding |
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 644 Willow Point Ct 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 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | TROY CITY PWS serves 26,305 people · EPA ID OH5501612 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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