Miami County property record for 656 Willow Point Ct, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,288 sqft · built 2005 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $289,900 (Dec 2020) |
| Tax Bill | $4,436 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-104852 |
| Primary APN | D08-104852 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,288 sqft Living Area |
| 1st Floor Area | 2,078 sqft |
| Upper Floors Area | 1,249 sqft |
| Basement Area | 1,039 sqft |
| Unfinished Basement | 1,039 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 6,229 sqft (0.143 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 40 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 656 WILLOW POINT CT |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-8622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 9561 WILLOW POINT SUB |
| Legal Subdivision | WILLOW POINT SUB |
| Legal Lot Number | 9561 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 365001 |
656 Willow Point Ct is owned and occupied by two individuals who bought it in December 2020.
Source: Miami County records, as of July 28, 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 | 656 WILLOW POINT CT, TROY, OH 45373-8622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2019 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Dec 3, 2020 | Survivorship Deed, Transfer · FHA Mortgage NORTHPOINTE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2020 · Amount on File |
| Deed Sale | Dec 3, 2020 · Amount on File |
| Prior Sale | Dec 8, 2005 · Amount on File |
| Deed Document Number | 20202020OR-18169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 656 WILLOW POINT CT, TROY, OH 45373-8622 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007365 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 2019OR-07365 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jul 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Dec 3, 2020 |
| Property Address | 656 WILLOW POINT CT, TROY, OH 45373-8622 |
| Document Number | 0000018169 |
| Map Reference | VOL 20 PG 57&57A |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020OR-18169 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | FIRST OHIO TITLE INSURANCE |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 656 WILLOW POINT CT, TROY, OH 45373-8622 |
| Document Number | 0000018170 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 2020OR-18170 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 656 Willow Point Ct was $4,436 with a homeowner's exemption, up 10.3% 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 | $4,436.00 (+10.29%) Homeowner's exemption | $133,810 (+25.47%) Land $16,590 Building $117,220 | $382,300 Land $47,400 Building $334,900 |
| 2024 | $4,022.00 (+2.21%) Homeowner's exemption | $106,650 (-) Land $17,290 Building $89,360 | |
| 2023 | $3,935.00 (+17.46%) Homeowner's exemption | $106,650 (-) Land $17,290 Building $89,360 | $304,700 (-) Land $49,400 Building $255,300 |
| 2022 | $3,350.00 Homeowner's exemption | $106,650 Land $17,290 Building $89,360 | $304,700 Land $49,400 Building $255,300 |
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 656 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 656 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 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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures