855 Willow Oak Ct, Springboro, OH 45066 Property Records

Warren County property record for 855 Willow Oak Ct, Springboro, OH 45066

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,796 sqft · built 2015
Lot Size	2.04 acres (88,997 sqft)
Owner	2 Individual Names on File
Last Sale	$899,900 (Apr 2018)
Tax Bill	$20,246 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`05-32-480-006-0`

Property Details

APN / Parcel Number

Primary APN	`05-32-480-006-0`
Alternative APNs	`0532480006` `532480006` `0142928` `142928`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Stories	2 Stories
Building Area	4,796 sqft Living Area
Gross Area	6,140 sqft
1st Floor Area	1,763 sqft
Attic	Attic
Attic Area	1,257 sqft
Basement Area	1,535 sqft
Finished Basement	1,535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	88,997 sqft (2.04 acres)
Garage Type	Attached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Screened Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	142928
Street Address	855 WILLOW OAK CT
City	SPRINGBORO
State	OH
Zip	45066-8464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY BROOK NORTH1 LOT 7
Legal Range	5
Legal Township	3
Legal Section	32
Legal Subdivision	COUNTRY BROOK NORTH1
Legal Block	28
Legal Lot Number	7
Jurisdiction	WARREN OH
Township / Civil Division	CLEAR CREEK
Census Block Group	4
Census Block	4001
Census Tract	30902

Owner

Source: Warren County records, as of June 9, 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	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Dec 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BK
May 1, 2020	Deed of Trust, Mortgage INDEPENDENT BK
Jan 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 19, 2018	Deed, Transfer
Apr 16, 2018	Deed of Trust, Mortgage INDEPENDENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on File
Deed Sale	Apr 19, 2018 · Amount on File
Prior Sale	Jun 12, 2014 · Amount on File
Deed Document Number	201810655
Last Transfer Date	Dec 11, 2019
Transfer Doc	0000004420
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008402
Date	Mar 31, 2026
Instrument	2026-008402

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	199 Months
Due	Oct 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035978
Date	Dec 1, 2022
Instrument	2022-035978

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	9%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Document Number	0000014906
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 WILLOW OAK CT SPRINGBORO OH 450668464, SPRINGBORO, OH 45066-8464

Mortgage

Document Number	0000014906
Date	May 6, 2020
Instrument	14906

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.62%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Document Number	0000014905
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 WILLOW OAK CT SPRINGBORO OH 450668464, SPRINGBORO, OH 45066-8464

Mortgage

Document Number	0000014905
Date	May 6, 2020
Instrument	14905

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN OH
Recording Date	Jan 27, 2020
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Document Number	0000002986
Instrument Date	Dec 11, 2019
Instrument	2986
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 WILLOW OAK CT SPRINGBORO OH 450668464, SPRINGBORO, OH 45066-8464

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN OH
Recording Date	Apr 19, 2018
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Document Number	0000010655
Map Reference	PB 68 PG 16
Instrument Date	Apr 16, 2018
Instrument	2018-010655
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount on Record
Tax	$2,699.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	855 WILLOW OAK CT, SPRINGBORO, OH 45066-8464
Document Number	0000017932
Instrument Date	Apr 16, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	INDEPENDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	855 WILLOW OAK CT SPRINGBORO OH 450668464, SPRINGBORO, OH 45066-8464

Mortgage

Document Number	0000017932
Date	Jun 27, 2018
Instrument	17932

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Clear Creek Township
Unified School District	Springboro Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,246.00 (+7.92%)	$464,620 (+40.17%) Land $107,430 Building $357,190	$1,327,470 (+40.17%) Land $306,940 Building $1,020,530
2024	$18,760.00 (+25.5%)
2023	$14,948.00 (+3.85%) Homeowner's exemption	$331,468 (-) Land $67,120 Building $264,348
2022	$14,394.00 Homeowner's exemption	$331,468 Land $67,120 Building $264,348	$947,050 (-) Land $191,770 Building $755,280
2021			$947,050 Land $191,770 Building $755,280

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 June 25, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	4 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

855 Willow Oak Ct, Springboro, OH 45066 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Willow Oak Ct

Nearby Streets

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