656 Shepherd Rd, Xenia, OH 45385 Property Records

Greene County property record for 656 Shepherd Rd, Xenia, OH 45385

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,334 sqft · built 1974
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,000 (Sep 2017)
Tax Bill	$6,194 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L332030042`

Property Details

APN / Parcel Number

Primary APN	`L332030042`
Alternative APN	`L33-0002-0030.0-0042.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,334 sqft Living Area
1st Floor Area	2,334 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	656 SHEPHERD RD
City	XENIA
State	OH
Zip	45385-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	975 TRACT 3 PT 656 SHEPHERD RD
Legal Subdivision	SHEPHERD
Legal Tract	3
Jurisdiction	GREENE OH
Township / Civil Division	SUGARCREEK
Census Block Group	3
Census Block	3002
Census Tract	220102

Owner

Source: Greene County records, as of October 22, 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	656 SHEPHERD RD, XENIA, OH 45385-8928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 17, 2022	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CAPITAL LLC
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage GOODMORTGAGE.COM
Sep 11, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2017 · Amount on Record
Deed Sale	Sep 11, 2017 · Amount on Record
Deed Document Number	201715198
Prior Transfer Date	Aug 18, 2008
Prior Transfer Doc	0028430566
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	656 SHEPHERD RD, XENIA, OH 45385-8928
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 SHEPHERD RD, XENIA, OH 45385-8928

Mortgage

Document Number	0000015192
Date	Sep 26, 2025
Instrument	2025015192

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 8, 2055

Interest

Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	656 SHEPHERD RD, XENIA, OH 45385-8928
Transaction Type	Mortgage
Record Updated	Jun 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009763
Date	May 17, 2022
Instrument	2022009763

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	656 SHEPHERD RD, XENIA, OH 45385-8928
Document Number	0000000612
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 SHEPHERD RD SUGARCREEK TOWNSHIP OH 453858928, SUGARCREEK TOWNSHIP, OH 45385-8928

Mortgage

Document Number	0000000612
Date	Jan 11, 2021
Instrument	612

Lender

Name	GOODMORTGAGE.COM
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2051

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GREENE OH
Recording Date	Sep 11, 2017
Property Address	656 SHEPHERD RD, XENIA, OH 45385-8928
Document Number	0000015198
Instrument Date	Aug 30, 2017
Instrument	2017015198
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount 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	656 SHEPHERD RD, XENIA, OH 45385-8928

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,194.00 (-0.29%)	$101,290 (+3.17%) Land $28,760 Building $72,530
2024	$6,212.00 (+3.1%)	$98,180 (-) Land $28,760 Building $69,420
2023	$6,025.00 (+19.05%)	$98,180 (+34.33%) Land $28,760 Building $69,420	$289,380 (+38.58%) Land $82,160 Building $207,220
2022	$5,061.00	$73,090 Land $26,140 Building $46,950
2020			$208,820 Land $74,690 Building $134,130

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	4 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	Direct burnable vegetation

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	GREENE CO.-NORTHWEST REG WATER serves 41,895 people · EPA ID OH2903512
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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