Miami County property record for 657 Willow Point Ct, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 2005 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Company Name on File |
| Last Sale | $144,025 (Feb 2006) |
| Tax Bill | $3,013 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-104830 |
| Primary APN | D08-104830 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 3,036 sqft |
| Family Room | Family Room |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 7,231 sqft (0.166 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 42 sqft |
| Patio Area | 168 sqft |
| Canopy | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 657 WILLOW POINT CT |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-8623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 9550 WILLOW POINT SUB |
| Legal Subdivision | WILLOW POINT SUB |
| Legal Lot Number | 9550 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 365001 |
657 Willow Point Ct is owned by a company that bought it in February 2006 and is owner-occupied.
Source: Miami County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Aug 27, 2021 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Jan 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Apr 5, 2022 | Transfer on Death Deed, Transfer |
| Jul 8, 2019 | Deed of Trust, Mortgage · Line of Credit ABBEY CU |
| Mar 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ABBEY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2006 · Amount on File |
| Deed Sale | Feb 1, 2006 · Amount on File |
| Prior Sale | Oct 12, 2005 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000013438 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 2021OR-13438 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Document Number | 0000015001 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021OR-15001 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 13, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000001593 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2022OR-01593 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 5, 2022 |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Document Number | 0000005433 |
| Map Reference | VOL 20 PG 57&57A |
| Instrument Date | Mar 31, 2022 |
| Instrument | 2022OR-05433 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Document Number | 0000012588 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 657 WILLOW POINT CT TROY OH 453738623, TROY, OH 45373-8623 |
| Document Number | 0000012588 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 12588 |
| Name | ABBEY CU |
|---|---|
| Type | Credit Union |
| Address | VANDALIA, OH 45377 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 23, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 657 WILLOW POINT CT, TROY, OH 45373-8623 |
| Document Number | 0000003478 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 657 WILLOW POINT CT TROY OH 453738623, TROY, OH 45373-8623 |
| Document Number | 0000003478 |
|---|---|
| Date | Apr 5, 2019 |
| Instrument | 3478 |
| Name | ABBEY CU |
|---|---|
| Type | Credit Union |
| Address | VANDALIA, OH 45377 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 4, 2034 |
The 2025 property tax bill for 657 Willow Point Ct was $3,013 with a homeowner's exemption, up 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 | $3,013.00 (+6.02%) Homeowner's exemption | $90,860 (+20.57%) Land $16,590 Building $74,270 | $259,600 Land $47,400 Building $212,200 |
| 2024 | $2,842.00 (+2.19%) Homeowner's exemption | $75,360 (-) Land $17,290 Building $58,070 | |
| 2023 | $2,781.00 (+22.08%) Homeowner's exemption | $75,360 (+3.92%) Land $17,290 Building $58,070 | $215,300 (+3.91%) Land $49,400 Building $165,900 |
| 2022 | $2,278.00 Homeowner's exemption | $72,520 Land $17,290 Building $55,230 | $207,200 Land $49,400 Building $157,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 657 Willow Point Ct in Zone X, an area of minimal flood risk, within 100 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 100 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 657 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 |
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