Miami County property record for 1138 Edgewater Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,016 sqft · built 2011 |
| Lot Size | 0.208 acres (9,100 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,910 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-105894 |
| Primary APN | D08-105894 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,436 sqft |
| Upper Floors Area | 580 sqft |
| Basement Area | 1,436 sqft |
| Finished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 9,100 sqft (0.208 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 194 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1138 EDGEWATER DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-7616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 10250 EDGEWATER 6 |
| Legal Subdivision | EDGEWATER SEC 06 |
| Legal Lot Number | 10250 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 365301 |
1138 Edgewater Dr is owned and occupied by two individuals who acquired it in October 2020.
Source: Miami County records, as of March 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1138 EDGEWATER DR, TROY, OH 45373-7616 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2021 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| May 3, 2017 | Warranty Deed, Construction Loan · Line of Credit GREENVILLE FED'L |
| Apr 28, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2020 |
| Deed Sale | Oct 22, 2020 |
| Prior Sale | Nov 1, 2017 · Amount on File |
| Deed Document Number | 2020OR-15505 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1138 EDGEWATER DR, TROY, OH 45373-7616 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003690 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021OR-03690 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1138 EDGEWATER DR, TROY, OH 45373-7616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003951 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 2020OR-03951 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | May 3, 2017 |
| Property Address | 1138 EDGEWATER DR, TROY, OH 45373-7616 |
| Document Number | 0000005266 |
| Instrument Date | May 2, 2017 |
| Instrument | 5266 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $99.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1500 MEICAIE AVE TROY OH 45373, TROY, OH 45373 |
| Document Number | 5267 |
|---|---|
| Date | May 3, 2017 |
| Instrument | 5267 |
| Name | GREENVILLE FED'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, OH 45331 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 2, 2018 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 28, 2017 |
| Property Address | 1138 EDGEWATER DR, TROY, OH 45373-7616 |
| Document Number | 0000005031 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 5031 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $99.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 980 TROY OH 453730980, TROY, OH 45373-0980 |
The 2025 property tax bill for 1138 Edgewater Dr was $5,910 with a homeowner's exemption, up 13.2% from the year before.
Source: Miami County assessment roll, as of January 1, 2025
| 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 | $5,910.00 (+13.15%) Homeowner's exemption | $171,710 (+23.95%) Land $19,670 Building $152,040 | $490,600 Land $56,200 Building $434,400 |
| 2024 | $5,223.00 (+2.21%) Homeowner's exemption | $138,530 (-) Land $19,600 Building $118,930 | |
| 2023 | $5,110.00 (+17.47%) Homeowner's exemption | $138,530 (-) Land $19,600 Building $118,930 | $395,800 (-) Land $56,000 Building $339,800 |
| 2022 | $4,350.00 Homeowner's exemption | $138,530 Land $19,600 Building $118,930 | $395,800 Land $56,000 Building $339,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1138 Edgewater Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 1138 Edgewater Dr 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 98% of the US · lower than 90% 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 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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