983 Echo Ct, Xenia, OH 45385 Property Records

Greene County property record for 983 Echo Ct, Xenia, OH 45385

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,003 sqft · built 2002
Lot Size	0.513 acres (22,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,000 (Dec 2025)
Tax Bill	$4,146 (2025)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M40-0002-0027.0-0031.00`

Property Details

APN / Parcel Number

Primary APN	`M40-0002-0027.0-0031.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,003 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Family Room	Family Room

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	22,346 sqft (0.513 acres)
Lot Width	106 ft Width
Garage Type	Attached
Garage Area	728 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	983 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 26 0.513AC ECHO CT
Legal Subdivision	SUMMER BROOKE
Legal Lot Number	26
Jurisdiction	GREENE OH
Township / Civil Division	XENIA
Census Block Group	4
Census Block	4002
Census Tract	240500

Owner

Source: Greene County records, as of July 21, 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 Record
Mailing Address	983 ECHO CT, XENIA, OH 45385-1454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed, Transfer · Line of Credit THE OLD FORT BANKING COMPANY
May 2, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/WSTN OH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	May 26, 2004 · Amount on Record
Deed Document Number	202520206
Prior Transfer Date	Oct 11, 2001
Prior Transfer Doc	0000028683
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GREENE OH
Recording Date	Dec 23, 2025
Property Address	983 ECHO CT, XENIA, OH 45385-1454
Document Number	0000020206
Map Reference	CAB 30 PG 141A-143B
Instrument Date	Nov 20, 2025
Instrument	2025020206
Transaction Type	Transfer
Record Updated	Jan 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	983 ECHO CT, XENIA, OH 45385-1454

Mortgage

Document Number	0000020207
Date	Dec 23, 2025
Instrument	2025020207

Lender

Name	THE OLD FORT BANKING COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	983 ECHO CT, XENIA, OH 45385-1454
Document Number	0000008201
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	Jun 17, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	983 ECHO CT XENIA OH 453851454, XENIA, OH 45385-1454

Mortgage

Document Number	0000008201
Date	Jun 5, 2019
Instrument	8201

Lender

Name	FIFTH THIRD BK/WSTN OH
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Greene County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Greene County
Municipality	Xenia City
Unified School District	Xenia Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,146.00 (-5.43%)	$114,970 (-) Land $16,500 Building $98,470
2024	$4,384.00 (-2.38%)	$114,970 (-) Land $16,500 Building $98,470
2023	$4,491.00 (+20.4%)	$114,970 (+36.85%) Land $16,500 Building $98,470	$328,480 (+36.84%) Land $47,150 Building $281,330
2022	$3,730.00	$84,010 Land $10,310 Building $73,700
2020			$240,040 Land $29,470 Building $210,570

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 March 28, 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
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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	XENIA CITY PWS serves 29,000 people · EPA ID OH2902812
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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