689 Willow Point Ct, Troy, OH 45373 Property Records

Miami County property record for 689 Willow Point Ct, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,248 sqft · built 2005
Lot Size	0.305 acres (13,286 sqft)
Owner	2 Individual Names on File
Last Sale	$178,260 (Jan 2006)
Tax Bill	$3,987 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-104838`

Property Details

APN / Parcel Number

Primary APN	`D08-104838`
Alternative APN	`050619.4-13-016-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,248 sqft Living Area
1st Floor Area	2,080 sqft
Upper Floors Area	1,208 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Family Room	Family Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	13,286 sqft (0.305 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	689 WILLOW POINT CT
City	TROY
State	OH
Zip	45373-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 9554 WILLOW POINT SUB
Legal Subdivision	WILLOW POINT SUB
Legal Lot Number	9554
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1014
Census Tract	365001

Owner

689 Willow Point Ct is owned and occupied by two individuals who bought it in January 2006.

Source: Miami County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	689 WILLOW POINT CT, TROY, OH 45373-8623
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2006 · Amount on File
Deed Sale	Jan 5, 2006 · Amount on File
Prior Sale	Jul 14, 2005 · Amount on File
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	689 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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016088
Date	Sep 15, 2021
Instrument	2021OR-16088

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 689 Willow Point Ct was $3,987 with a homeowner's exemption, up 7.6% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,987.00 (+7.58%) Homeowner's exemption	$120,260 (+22.36%) Land $16,590 Building $103,670	$343,600 Land $47,400 Building $296,200
2024	$3,706.00 (+2.21%) Homeowner's exemption	$98,280 (-) Land $17,290 Building $80,990
2023	$3,626.00 (+17.46%) Homeowner's exemption	$98,280 (-) Land $17,290 Building $80,990	$280,800 (-) Land $49,400 Building $231,400
2022	$3,087.00 Homeowner's exemption	$98,280 Land $17,290 Building $80,990	$280,800 Land $49,400 Building $231,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 689 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

Wildfire risk around 689 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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