Greene County property record for 976 Echo Ct, Xenia, OH 45385 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,406 sqft · built 1995 |
| Lot Size | 1.35 acres (58,893 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Feb 2020) |
| Tax Bill | $4,965 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | M40-0002-0027.0-0033.00 |
| Primary APN | M40-0002-0027.0-0033.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,406 sqft Living Area |
| 1st Floor Area | 1,201 sqft |
| Basement Area | 412 sqft |
| Finished Basement | 412 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 58,893 sqft (1.35 acres) |
| Garage Type | Attached |
| Garage Area | 259 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 976 ECHO CT |
|---|---|
| City | XENIA |
| State | OH |
| Zip | 45385-1454 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUMMER BROOKE SEC ONE LOT 28 1.352AC ECHO CT |
| Legal Subdivision | SUMMER BROOKE |
| Legal Lot Number | 28 |
| Jurisdiction | GREENE OH |
| Township / Civil Division | XENIA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 240500 |
Source: Greene County records · APN M40-0002-0027.0-0033.00
Assessment roll updated March 13, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit THE OLD FORT BANKING CO |
| Nov 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC |
| Feb 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Mar 01, 2017 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2020 · Amount on Record |
| Deed Sale | Feb 19, 2020 · Amount on Record |
| Prior Sale | Oct 27, 2014 · Amount on Record |
| Deed Document Number | 20203016 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Document Number | 0000007851 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | 2023007851 |
| Name | THE OLD FORT BANKING CO |
|---|---|
| Type | Bank |
| Address | OLD FORT, OH 44861 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 05, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021026917 |
|---|---|
| Date | Nov 04, 2021 |
| Instrument | 2021026917 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WESTERVILLE, OH 43082 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GREENE OH |
| Recording Date | Feb 19, 2020 |
| Property Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Document Number | 0000003016 |
| Map Reference | CAB 30 PG 141A-143B |
| Instrument Date | Feb 05, 2020 |
| Instrument | 2020003016 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | VANTAGE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 976 ECHO CT, XENIA, OH 45385-1454 |
| Document Number | 0000003017 |
|---|---|
| Date | Feb 19, 2020 |
| Instrument | 2020003017 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 976 ECHO CT, XENIA, OH 45385-1454 |
| Document Number | 0000003335 |
| Instrument Date | Mar 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 976 ECHO CT XENIA OH 453851454, XENIA, OH 45385-1454 |
| Document Number | 0000003335 |
|---|---|
| Date | Mar 01, 2017 |
| Instrument | 3335 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 28, 2047 |
Source: Greene County records · Assessment roll updated March 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Greene County |
| Municipality | Xenia City |
| Unified School District | Xenia Community City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,965.00 (-4.48%) | $121,500 (-) Land $17,170 Building $104,330 | |
| 2024 | $5,198.00 (-1.81%) | $121,500 (-) Land $17,170 Building $104,330 | |
| 2023 | $5,294.00 (+12.76%) | $121,500 (+31.55%) Land $17,170 Building $104,330 | $347,150 (+31.56%) Land $49,060 Building $298,090 |
| 2022 | $4,695.00 | $92,360 Land $14,310 Building $78,050 | |
| 2020 | $263,880 Land $40,880 Building $223,000 |
Source: FEMA National Flood Hazard Layer, Greene County (39057C), updated March 28, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390572405004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Low above 7% of the US · above 31% of Ohio |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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